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

About 3 months ago I applied for a personal loan with Navy Federal Credit Union to pay off my Mother 's car loan she has with XXXX XXXX for her XXXX XXXX XXXX. [ I did have a loan with Navy Federal, it was for a XXXX XXXX XXXX with account # XXXX ]. This loan was co-signed with my mother XXXX XXXX. She was going to trade in the XXXX XXXX & get herself a new car, but I decided to trade in the XXXX XXXX instead & purchased a new vehicle by myself. This was in late XXXX. About a week ago, I received a statement from Navy Federal with limited information. It stated that I owed them {$500.00} dollars & that my loan was subject to go to collections & this would affect my credit rating. My initial call was to XXXX the Sales person, who assured me that my car was completely paid off & did not know what was going on. At this point I was worried about the bad rating this would have on my credit so I called my Mom & asked her to help me find out what was going on. ( I initially thought it was a negative balance for the XXXX XXXX I just traded in ). When my mom reviewed the statement she noticed it was a different account number from my previous & only loan with Navy Federal. My Mom called Navy Federal on X/XX/2017 @ XXXX XXXX & spoke to XXXX in the customer relations dpt. XXXX advised my Mom that she was not on the loan she was pulling up. My mom told her that she was the co-signer on the loan & wanted information about the statement we had received. My mom also advised XXXX that it was the wrong account number & perhaps Navy Federal had made a mistake about the balance of {$500.00} we still had. XXXX asked my Mom if she was calling regarding the loan for a XXXX XXXX XXXX. When my mom heard the description of the vehicle she then told XXXX that the XXXX was her car & she still had a loan with XXXX XXXX. At that point XXXX told my Mom she was unable to give her any more information & she had to transfer the call to the Accounting Dpt. but not before my mom conference me in to the call. When we reached the accounting dpt we spoke to XXXX. I verified my information one more time & gave authorization for my Mom to talk to XXXX & discuss the account. When everyone was on the same page my Mom asked XXXX if she can tell us who signed the check or any credit application? We explained to her that I never picked up the check or signed anything documents authorizing the loan. At this point XXXX stated that we were going to be put on a 10-15 minute hold so that she can review all notes. My mom was at work & asked XXXX to please call us back because she was at work & I was getting ready to go to work. XXXX told us that they do not call out ever & if we wanted any further information we would have to call them back at another time. This is the last time we had any contact with Navy Federal.
Product: Credit card

Wells Fargo failed to address disputed transactions in compliance with XXXX  terms ; the bank is engaging in deceiving practices to frustrate the attempt to resolve a disputed transaction over a procured item from a supplier in XXXX that was wrongly delivered by the supplier. 

I am requesting the agency to assume full jurisdiction over this matter.
Product: Mortgage

The day of closing XX/XX/year> the lender requested my IRS transcript stating that they could not pull the document. Also on XX/XX/year> a unilateral extend closing for 8 days was submitted to me/buyer and to the seller stating " Buyer 's mortgage lender ( including in transaction where the financing contingency has expired ) or the closing attorney can not fulfill their respective obligations by the date of closing due to no fault of buyer. '' On XX/XX/year> the loan officer submitted a new application to another lender. During this process the seller decided accept another offer from a different buyer. I was the second person to pay for an appraisal and pay {$3000.00} in earnest money and the sale did not go through. After paying {$580.00} for the appraisal on XX/XX/year> on XX/XX/year> I was given the appraisal from the previous entity with his name on the document and signed by the same appraiser. 

On XX/XX/year> the closing attorney sent a 10 day notice stating that after his review of my contract that it appears that the seller is entitled to all of my earnest money in the amount of {$3000.00}. I never received a denial letter of the loan nor did I receive a termination letter from my agent or any other parties that was involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On My XXXX credit report by the name of Navy Federal credit union i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX other inquiries were reported XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ON my XXXX credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX CU XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

I show a debt from Credit Collection Services out of XXXX, MA that I disputed nearly a year ago. Collector does not show verification that I owe the debt. I have disputed it and came off one off my credit files but not all three.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Two years ago, XX/XX/2021, I was victim to financial fraud for a sublease apartment that was a false advertisement/ scam. 

I applied for the apartment, as is common practice, giving them my personal information and also sent them four rent deposit payments through Chase BankXXXX for the sum of {$4800.00}. 

I was persuaded and sent the payment under false pretenses. Once the payments were sent, the apartment lender stopped contact and never fulfilled the apartment agreement. 

I contacted Chase Bank immediately to stop or intercept the payments, however, Chase said they would not be able to help me ( Claim Number : XXXX ). I also immediately contacted XXXX however they said I would need to contact my financial institution ( Chase ) to dispute the charges. No action was taken to help me and I was caught in the gap between the two financial services.

Because of the seriousness of the issue, I opened a case with the Police Department and reported it to the IC3 ( internet crime complaint center ) run by the FBI. The police department detective never resolved the case/ discovered who the perpetrator was, saying that because the bank facilitated the transaction, they should have the information on the perpetrator. However, the bank did not or said they could not disclose that information to me. 

At the time, due to covid, I did not have resources beyond this to investigate the issue. 

I looked up that while other money transfer options like XXXX are not FDIC-Insured, XXXX is directly affiliated with my bank and account. 

I am filing a claim with CFPB because I also looked up that under 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) by the Federal Reserve Board consumers should be protected from accidental transfers and forms of fraud when they use electronic fund and remittance transfers.
Product: Debt collection

MCOA AT XXXX is calling me repeatedly for a debt my sister owes them. I do not have any information for my sister and yet they are relentless in their calls. 
The last call was on XX/XX/XXXX at XXXX XXXX. If You dont provide them with your phone number or your account number they are extremely rude and will not give you the time of day. I dont have my sisters account number Or phone number so therefore I can not help them I just asked them to take me off their list which they will not do.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2024 since then the account has repeatedly been update as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for their failure to properly reinvestigate inaccurate information reported on my credit file. I disputed an account that XXXX is reporting under my name because I believe the information is inaccurate and not related to me. Despite submitting a formal dispute, XXXX has failed to comply with the reinvestigation requirements under the Fair Credit Reporting Act ( FCRA ) Section 1681i. 

XXXX has neither conducted a reasonable reinvestigation nor provided me with any documentation supporting the accuracy of the information in question. I have not received any communication or confirmation that my dispute has been adequately addressed, and the inaccurate information continues to negatively impact my credit profile. 

XXXX  failure to reinvestigate this matter is in violation of the FCRA, which requires them to investigate disputes in a timely and thorough manner. Their lack of action is causing harm to my credit standing and financial well-being, as the inaccurate information remains on my report. 

I request that the CFPB assist in ensuring that XXXX complies with its obligations to reinvestigate this disputed information, provide me with a clear resolution, and remove any inaccurate data from my credit file if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX I have asked all the credit bureaus to do an investigation on my account ( s ) with XXXX  which they did. The results stated everything is accurate although it appears to be a few inconsistencies, are currently reporting on my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # Has violated my rights. 15 U.S.C 1681 section 602A, which states I have the right to privacy & 15 U.S.C 1681 Section 604A which also states a consumer reporting agency can not furnish a account without my written instructions. This will truly help me in my process to raising my credit score, & I thank you in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is misreporting my loan from 2018 as being late. This was discharged in bankruptcy and it seems the group that managed my loan no longer exists. The reported phone number on my credit profile does not function. The old payment portal https : XXXX does not function. Calls to them show its no longer a working number. It should have aged out by now, but it does not. All other accounts have disappeared from that era including other vehicles. 

The late reporting was a violation of the automatic stay from the bankruptcy case and I have spent this entire time trying to get it removed only for the credit bureaus to pretend to investigate it falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXXXXXX when the matter first occurred and I was sent a letter to send to the bureaus. I am still waiting for the info to update with the bureaus.
Product: Credit card

Suttell and hammer along with XXXX XXXX, attempting to collect a debt that is not mine. I have never signed for or have ever agreed to for any goods or services from either of these company 's.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX the primary cardholder XXXX XXXX add XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, XXXX and Equifax ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, as a result my FICO Score drop from XXXX to XXXX this is a pattern with XXXX XXXX XXXX XXXX on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact XXXX XXXX XXXX XXXX on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to 12 CFR 1026.12 Special credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Product: Checking or savings account

One Wednesday XX/XX/XXXX XXXX I went to the bank to retrieve some funds from the ATM but it didnt allow me so I went into the branch to get some help with my transaction. Then I was notified that my account was blocked. After I was told to call customer service and when I did, they told me my account was blocked and was going to be closed when I asked why I got no answer as to why but to wait 30 to 60 days. When I asked if I was able to retrieve my funds, they told me I could go to the branch and do it but when I try to, they told me there was a note on my account not letting them release my funds to me when I called again the customer service And spoke to a manager. They wouldnt update the note and kept saying that it was up to the bank and they couldnt do nothing else.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB XXXX XXXX TransUnion I am writing to formally process this FCRA 605B 3 DAY Deletion of fraudulent accounts with XXXX, XXXX, TransUnion with the CFPB as my witness. For the past two years, I have worked tirelessly as a victim of identity theft and fraud, providing our nations main credit reporting agencieswith FTC reports, a police report, proper identification, and verified information. Despite my efforts, I continue to face challenges, and I have enclosed my FTC report, police report, identification, and letter email that was sent to me in response to filing a fraudulent victim claim.

I wish to give the CFPB an opportunity to observe how they addresses my concerns. In XX/XX/2025, I filed a lawsuit against XXXX, XXXX, TransUnion ( you think they would have noted my credit bureau about the lawsuit, BUT THEY Didnt put any notes on my credit report ( because they just intend to do it anyway that they make money even if victims suffer ) which was settled for an undisclosed amount. However, I still have three negative lines appearing on my credit report that need to be deleted immediately. The impact of XXXX 's lack of compliance has resulted in significant financial distress for my family and me. The inability to access credit or loans during critical times has created prolonged frustration and hardship. 

It is crucial for the CFPB to gather as much evidence as possible against XXXX to support the resolution of your upcoming lawsuit sincerely hope that you will take the necessary steps to ensure XXXX is held accountable and compelled to appear before a jury trial. While they may be willing to settle lawsuits, they seem less inclined to rectify the situation by deleting erroneous items from my credit report within the required timeframe. I guarantee if XXXX had to stand before the judge in trial and the question or to be asked would XXXX lose a substantial amount of money if they were in compliance with every fraudulent claim the answer would be yes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB, on XX/XX/XXXX we noticed that our Wells Fargo Bank business account had a {$2800.00} amount debited by " RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX '', which we did NOT authorized! We immediately contacted XXXX, and they admitted that this auto debit should NOT have occurred, and we should have the amount credited back to our account right away! However, we have called them everyday since ( because this is causing a significant cash flow problem for us! ), but always been told that " maybe '' in a few day! Which is NOT acceptable! As of today, Monday, XX/XX/XXXX,  the unauthorized amount still have not been credited back to our bank account, we called XXXX again, and now we were told that the credit should appear on Thursday, XX/XX/XXXX? This is totally UNACCEPTABLE! What are our legal rights? And what are XXXX 's legal obligations? For this UNAUTHORIZED bank debit ( or bank fraud? ). 1 ) If we did n't noticed this on our end, this will be buried amount all transactions ; 2 ) once XXXX admitted its mistake, they ca n't just take their time to rectify this error at their leisure! Please advise! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the mishandling of my credit dispute by the credit bureau. Despite submitting a formal complaint a month ago, I have not received any resolution or substantive response. After my initial dispute was inadequately addressed, I filed a second dispute with the bureau. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to inform the furnisher of the disputed information and provide them with all relevant documentation. This legal obligation has not been fulfilled, as the furnisher continues to report the inaccurate information without any verification or correction. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX : Account number : XXXX, A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. 

XXXX : Account number : XXXX, The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent a previous dispute letters to your agency. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. If your agency is unable to do so, I demand that this account be removed from my credit report. 

XXXX : Account number : XXXX, This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 

XXXX XXXX : Account number : XXXX, Please clarify the payment status, comments, balance, and account number as they might be erroneous. Correct or delete them from my credit report altogether. 

XXXX XXXX XXXX : Account number : XXXX, Im confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 

XXXX : Account number : XXXX, I don't believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The incorrect Balance is showing on my XXXX XXXX XXXX Line of Credit. 

The account number is XXXX This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and 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 a account without my written instructions