23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Tuesday, XX/XX/XXXX at XXXX, I deposited a cashiers check into my checking account at Navy Federal Credit Union inside the Branch office with a bank teller. At the time of deposit, I was informed the funds would be available on Thursday XX/XX/XXXX. At XXXX Wednesday XX/XX/XXXX, I received a message from the bank that my funds were now being held for 5 business days because there was reason to believe my cashiers check from XXXX XXXX XXXX would not be paid due to confidential information. I called the customer service line to try to resolve the issue. I was informed that the reason why my check was placed on an extended hold was because XXXX XXXX  XXXX would not verify the check over the phone. On Thursday XX/XX/XXXX, I went into the branch office to speak with a manager to get the hold removed. I explained the cashiers check was my inheritance and paid from a trust account. I had the trust documents as well as the receipt of the cashiers check issued from the XXXX XXXX XXXXXXXX account. The branch manager, even with all of the information given refused to remove the check hold.
Product: Debt collection

I was seen at XXXX Hospital in XXXX UT on XXXX XX/XX/XXXX. I had just gotten out of prison in XXXX and had no insurance. I acquired a bill of {$6000.00}. I had just started working and was only able to make minimal payments. I made my payments directly to the hospital. On XX/XX/XXXX I received a bill from XXXX for the balance due on the hospital bill. Their claim was " XXXX, XXXX is a company that is managing your account for the healthcare provider. '' At that time or shortly after ( I don't know where to find the exact date because it has changed hands again XXXX XXXX turned my account in as a collection. I have not missed one payment. I disputed the fact that no one had to collect from me. I was making monthly payments. My dispute was not validated. In XX/XX/XXXX, I received a NOTICE OF DEBT dated XXXX XXXX stating the above account, owed to XXXX Hospital is past due. Capio Partners has been contracted to collect the outstanding balance. Payments and questions should be directed to Capio Partners to insure proper credit. At that time I could no longer use the XXXX Hospital online bill pay ( it was blocked ) and I had to begin making my payments to Capio Partners and I had to pay almost double to keep the account current. I have auto payments set up again and have not missed one payment. When Capio Partners took over the debt from XXXX a new collection was reported to the Credit Reporting agencies with an adverse mark again. The only adverse mark I have on my Credit Report comes from this hospital bill and I have voluntarily made my payments, yet it continues to be a bad mark on my Credit Report and it should never have gone to collections. XXXX called themselves managers for the healthcare provider yet turned my account in to credit-reporting agencies and Capio 's NOTICE OF DEBT states " Please be advised that we may report the failure to pay the account to credit-reporting agencies. '' I have not failed to make payments on this account, yet it reflects as a collection against my credit report. Both the attending doctor and the Laboratory cut their bill significantly due to no insurance and voluntary payments being made. Once I paid them off, I started paying the hospital more.
Product: Student loan

Navient Account # XXXX has 7 loan numbers loan numbers on which I have been making payments for ~2 years. The balances are now HIGHER than they were when I started. Navient can not explain this other than to provide me their formula which apparently would have me paying them forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax customer service would not help and take care of the negative inquiries reporting to my credit report want Equifax to delete those credit inquiries off my credit report except my.The other 8 inquires must be removed/deleted. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate XXXX XXXX XXXX  information on my report is inaccurate, this account has been paid as to the terms of the agreement I ask that this be reverse to pay as agreed. Please reverse the following item, immediately
Product: Credit card

i closed the credit card account on XXXX XXXX. I guess there were some charges still pending which posted to the account on XX/XX/XXXX. 

I had set up auto pay as i do for all my accounts. the reason i closed this account is i never really used it. I was out of the country for a month or so and yesterday i got an email that the account was past due. 

When they closed the account they also canceled my auto payment so the charges which posted after i closed were not paid as they should ahve been. 

Company said that i got a letter that auto pay was canceled. Perhaps i did ; dont recall seeing it. Eitherway the company canceled the very process that would have saved me from a late on my credit and the late fee. I dont think i should have to pay the late fee for what is a process gap on their side. There is no reason to cancel the auto pay if there are charges pending/posting. I think that is intentionally deceptive to generate fees.
Product: Debt collection

National Credit Adjusters calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XXXX/XXXX/16 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've complained on this issue before in conplaint # XXXX. XXXX XXXX XXXX XXXX keeps pushing a fraud packet, that wants me to give them all kinds of my personal information, that I do n't feel comfortable giving out. I asked them to prove that the so called account is mine. I am not doing their job for them. I want to see proof that the account that was XXXX XXXX is mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that l believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results Likes effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled XXXX  a similar manner.
Product: Credit card or prepaid card

On XX/XX/2022, on advice from a friend, I applied to Barclay credit card company. This company was highly recommended. I received a for letter from Barclay in the first week of XX/XX/2022 stating their interest rates and that my card is in the mail. I viewed their interest rates and found them to be excessive. 
On XX/XX/2022, I received the Barclay card and did not activate it ; I destroyed it. In the XX/XX/2022 mailing from Barclay, I noticed a fee for {$15.00}. I then mailed Barclay a notice that I did not activate their card and requested they not contact me again. 
On XX/XX/2022, I received another Barclay letter dated XX/XX/2022 noting that {$15.00} balance on my account. I do not have an account with this credit company. 
I think that Barclays business practice is suspect and would like resolution on this matter
Product: Debt collection

Sent a certified letter to dispute the debt i do not owe. In their letter they include a box to dispute the charge so I did.
Product: Credit reporting or other personal consumer reports

I

n accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy. 15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citbank has refused to update XXXX of my settled less than full settlement I made on XX/XX/2021. They have acknowledged that theyve received the payment and that a settlement was reached. Yet they refuse to send that same notification to XXXX. This is a blatant attempt to continue to ruin my credit and prevent me from getting future loans. If the issue is not corrected appropriately I will be contacting my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid in full for 11 accounts from XX/XX/XXXX for a total of {$2100.00} I disputed the collections and uploaded the same receipt im sending you. 2 of the accounts were deleted off my report but there are still 3 that are still on there and shows as a negative even though its completely paid off and closed. the dispute came back with accurate but still not removed. 

I also contacted XXXX XXXX XXXX  about this and they said they don't do anything but report to the agencies they cant remove items that's up to the reporting agency. 

I'm trying to get my first mortgage so i'm trying to clean up my credit that is why i'm asking the credit bureaus to delete the info so that my score goes up. when i spoke to experian yesterday they said it has to stay on my report for 7 years which is not correct if 2 already came off. i'm trying to do the right thing here and need your help to get these removed from my reports any XX/XX/XXXXXX/XX/XXXX on the reports.I don't see them on XXXX anymore so its just experian andXX/XX/XXXX 

On XX/XX/XXXX I paid in full {$170.00} for XXXX XXXX same as above still on report on XX/XX/XXXX i paid in full XXXX XXXX {$140.00} same as above paid, closed but not removed and lastly XXXX  shows that I still owe for a car loan that was a judgement that was dismissed in court and i sent the court order and is still under collections and has not been removed or changed documents uploaded to show the accuracy. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal AUTO LOAN account opened at XXXX on XXXX under the account number ( XXXX ). This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned consumer auto loan account are the result of identity theft and fraud.
Product: Checking or savings account

wells fargo has continuously allowed my account to fraudulently taken advantage of. they will not properly investigate this withdrawals or return my funds. they send me letters that are inaccurate and untrue then they tell me something different on the phone and tell me all of my options are exhausted. i have sent police reports pictures and they refuse to investigate or refund me
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE ALL LATE PAYMENTS XXXX XXXX XXXX SEE ATTACHED DOCS
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts has appeared on my credit report. I have never had any dealings with these companies. 

1. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine ( open date XX/XX/XXXX ) TDTARGET Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

They told me I called for requesting a promotion I never did it. That's how they charge me two interest in the same bill They never wan na show me the recording. Because they supposed to do recording all the time, we talk to them.
Product: Credit card

I placed an order with XXXX for {$210.00} i never received my order i called XXXX they said they wouldnt help so i filed a dispute with my Goldman Sachss Apple credit card and they denied my dispute Im really dishearten by this because Im losing twice i dont have my order and they want me to pay this really isnt right i pay all my bills on time and my credit card company is on the credit card side i filed a police report and everything like this is insane
Product: Debt collection

On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).
Product: Checking or savings account

On XX/XX/2024 I used XXXX bill pay to pay my XXXXXXXX XXXX XXXX serviced by Synchrony Bank. I owed {$420.00}. I made a mistake and the payment went out as {$42000.00}, I first notified XXXX and tried putting in a stop payment, was told they could not do anything because the payment went through BillPay. I contacted Synchrony Bank and asked for how to expedite a refund. Spoke with supervisor XXXX and told to fax a request to XXXX, My documents included the card statement, the bank statement showing the payment had been processed and that there was a balance in my account as proof that the monies went through. Followed up with XXXX XXXX on XX/XX/XXXX, who confirmed to me receipt of all the documents. On XX/XX/2024 received a digitalized letter saying that I could used my credit for future purchases. If not a refund will be issued within XXXX. another letter dated also XX/XX/2024 said that Synchrony had decided to close my account and reporting it to my Credit report. Subsequently made totwo more calls and spoke with supervisor, XXXX again, XXXX and XXXX in front of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the promise that they will reviewmy request. Today again spoke with XXXX XXXX who called Sync, and spoke with XXXX ID # XXXX that I needed again to call back
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I proved, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a certified handwritten letter to XXXX ( tracking # XXXX ), Transunion ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, XXXX  and Transunion replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, Experian, and TransUnion to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
Product: Credit reporting or other personal consumer reports

This XXXX  is infringing on my rights by being unverified, inaccurately reported, and improperly documented. Please remove this XXXX  and the associated accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed that some inaccurate information was placed on my report.
Product: Money transfer, virtual currency, or money service

Throughout 2024 over {$3200.00} sporadically came missing from my account on cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT A VALIDATION LETTER TO THE COMANY, NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  are fraud accounts
Product: Debt collection

I have set up payment arrangements with the company. I have been making payments as promised. They continue to call wanting more money than we agreed on. Even though I make payments on time they call and call constantly!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$4700.00}