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

Effective XXXX XXXX, XXXX, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have XXXX bankruptcies on my report and XXXX lien.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when transactions were authorized, I was charged fees due to lagged processing of charges and credits. This issue aligned with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I attempted to unfreeze my credit with the 3 major entities my bank is utalizing for my mortgage preapprovel. I had no issues with two of the entities. The third, Experian I could not utilize the phone, which is entirely automated or by website to unfreeze my credit. When I asked by phone to speak with a representative, I was told by automation it was not allowed, and gave me instructions how to request unfreeze by snail mail or website and eventually the automation hung up on me. I then attempted to unfreeze by website. Completed the same info and pin I provided by phone. Error. I tried for my entire lunch. I then tried to find how to get a real person..only FAQ on website under customer service. No live chat. Only online number to be found is totally automated number. Tried both platforms today..same results. I then went to their XXXX  page, under public post..not surprisingly..lots of complaints..no one csn get a live person. Appears this platform is monitered as posters are asked to XXXX. This is unacceptable, it harms the Elderly, XXXX, low income and impacts peoples lives. My account is still unfrozen.
Product: Credit reporting or other personal consumer reports

I have identified multiple unfamiliar items on my credit report, indicating that my identity may have been compromised. I never authorized these accounts and have previously reported this issue. I am now formally requesting their immediate removal. These unauthorized accounts are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to address this issue without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning two bankruptcies on my report. These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$0.00} - tied up XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am a XX/XX/XXXX that worked for aXX/XX/XXXX in XXXX called " XXXX XXXX XXXX '' in XXXX WA. They claimed that I owed them money for a Referral fee for a lead program that they owned which I did not use, the Business that I did which they want a referral fee for was unrelated to the Firm. I left the firm in XXXX and Unbeknownst to me the Firm sold to " XXXX XXXX '' and along with the sale they attached a debt stating that I owed them, I knew noting about this until seeing it on my credit report. The new company now claims to own the right to collect on this debt despite having any proof that I owe this debt. 
They do not have any evidence, contracts or proof of said debt but have managed to hand it over to a collection agency called " Puget Sound Collectors '' I hired a lawyer to get this information regarding this debt but the collection company ignored the lawyer. The debt is over {$35000.00} and is on my credit report. There is no proof I own this debt and none has ever been provided. 
A Judgment does not exist in any courts against me for this Debt, yet on my credit report they are calling it a Judgement. This is very frustrating and harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate information with two seperate companies for diferent negative amounts. by Hunter Warrfield Inc and XXXX XXXX XXXX for same account.
Product: Credit card or prepaid card

I was out of work with no pay because of the pandemic and I decided to take advantage of zero percent interest rate balance transfer with three percent transfer fee checks received from my USBank credit card to be on time with all my mortgages and other payments. All the transfer was made to my account by XX/XX/2020 and I started my payments through my bill pay from my checking account on XX/XX/2020. Because a problem on my bill pay service, the credit card did not receive my second payment on XX/XX/2020. An agent called me to request a payment on XX/XX/2020 and a 2 month payment was made XXXX for XXXX and XX/XX/2020 ). On XX/XX/2020, I called USBank to discuss my options, because I knew I would loose my interest rate if I was late with my payment. The agent that I talked to said they could keep my zero per cent balance transfer interest because It was the first time I was late and everything was fine. I made sure that I would keep the low interest rate and he said he was sure about it ... I kept my regular payments that was scheduled through my pay bill from my checking account ... OnXX/XX/2020 I got a call from USBank saying that I was late with my payment again requesting a payment. I did not understand what was going on, because my payments were been sent by my bank every month. This time I found out that I lost my interest rate that went to around 30 percent a year. I took loans and found a way to pay all my balance. Today I decided to review my account and realized that when I made the call on XX/XX/XXXX, they did not keep the zero percent interest rate as the agent confirmed. I called USBank and asked the agent to review my account and explained all the situation. The agent found my call on XX/XX/2020 and said she could not find what was decided that day. I was transferred to a manager and she said she found my call on XX/XX/XXXX, but that there was nothing that they can do and I had to pay all those fees and interest charged. I paid a total of U {$2400.00} plus the interest that I had to pay taking loans from other credit cards to pay the full balance with USBank.
Product: Debt collection

Request that this debt be validated with original company, and removed from my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ). Below are the disputed inquiries : 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 Violations of the FCRA Under 15 U.S.C. 1681b ( c ), credit inquiries are permissible only with explicit authorization or for certain legitimate purposes. I have neither applied for credit nor granted authorization to the entities above, which makes their presence on my credit report a violation of : 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses. 

15 U.S.C. 1681i ( a ) : Failing to conduct a proper investigation of disputed items. 


The failure to verify these inquiries or provide proper documentation confirming permissible purpose undermines the integrity of your investigation process. 

Legal Obligations and Remedy I am including a detailed statement confirming I did not authorize the inquiries. 

Your investigation must comply with 15 U.S.C. 1681i, including notifying the furnishers and obtaining documentation proving permissible purpose. Should you fail to remove the inquiries, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under 15 U.S.C. 1681n for willful noncompliance. 

Formal Demand for Action I demand the immediate deletion of the unauthorized inquiries from my credit report. Failure to act within the mandated 30-day period will result in formal complaints and possible litigation. 

This letter serves as notice under California Civil Code 1785.25 ( a ) that you are reporting inaccurate information. Continued reporting of these inquiries as verified constitutes defamation of character and willful negligence. 

I expect written confirmation of the results of your investigation, including the documentation relied upon for verification. 

Sincerely, XXXX XXXX XXXX XXXX. 
SSN : XXXX Date of Birth : XX/XX/XXXX Enclosures : Copy of ID and Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor ( XXXX ) erroneously reported a false account under my name to XXXX XXXX XXXX who reported me to all the three credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX account and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX  was unable to do so because the account was already in collection. I reached out to XXXX XXXX XXXX  who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX I disputed the account with all the three credit agencies and with XXXX and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately TransUnion did not perform accurate investigation and continues to have this account in collection.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 First Technology Federal Credit Union XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Pre-Approved XXXX XXXX XXXX Mastercard Application To Whom it May Concern : On XX/XX/2021, I applied online for the XXXX XXXX Mastercard at First Technology Federal Credit Union ( First Tech ) in response to a pre-approval offer. My application was subsequently declined. 
On XX/XX/2021, I contacted First Tech via phone and was told by XXXX that my employment as a XXXX XXXX was considered temporary. I informed First Tech via email that my position was not temporary and submitted evidence thereof. Later that day, I received a voicemail from an unknown person at First Tech stating that they are not able to assist [ me with the application ] due to temporary employment. 
As previously stated, my employment is not temporary. I have been continuously employed for over 3 years. Therefore, the allegation of temporary employment is not a lawful basis upon which to deny my application for credit, which is governed by FCRA. 
In light of the foregoing, I respectfully demand First Tech approve my application on the terms offered. Otherwise, this matter will proceed to trial. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX OF XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Checking or savings account

On XX/XX/XXXX, I couldn't log in to my Citi bank while I was in XXXX XXXX, which eventually blocked me from logging in. I tried to change the password through international calls but every representatives only tossed me to another and not supporting to solve the issue. What they told me is that they can not verify me because I am not using the phone number from the account information. Of course I am not using it because I am outside of the states. 
Now that I am back in the states, with a new phone number, I updated thephone number at a nearby branch today, XX/XX/XXXX, which went successfully. 
However, even though I typed in the required infos ( debit card number and account number ) correctly, I can not change my password since my access is blocked. 
I called their customer services but all they say is that my account is clean and no indication of blocked access appears, while I am looking at the screen that says my access is blocked. They made me wait on line trying to transfer me to another department, which they never classify what it is. 
All I am trying to do is gain access to my account and pay my rent. 
I forgot my password because I am used to Face ID. That is my fault. 
However, the whole process of regaining access to my own account, which has more than XXXX should never be this idiotic.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax sent response that XXXX XX/XX/XXXX was not currently showing. 

2. Received report today dated XX/XX/XXXX, which still has XXXX hard XX/XX/XXXX inquiry. 

3. Telephone number ( XXXX ) XXXX next to my address is not correct. Again this number was never my phone number but that of a neighbor same address - XXXX  XXXX with the same last name. 

4. I can not dispute it online because it does not show up. It only shows up when you order a report by phone.

5. I can not speak to a representative because they say I am not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about being a victim of their inquire issues. There are hard inquires put on my credit report that I have no knowledge of, nor did I give my consent. 
Section 6 11 states " Anything deleted then reinserted, needed to send a letter by mail within 5 days '' and I never received any letter or notification. Customer service wouldn't fix these issues. 
Hard inquires 1. XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2.  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7.  XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I expect to get these hard inquires all removed within 30 days. This is an insane amount of hard inquires i did NOT make, nor approve of. These are all a mistake and was added to my credit when they shouldn't be. These hard inquires are affecting my score negatively.
Product: Debt collection

XXXX XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016 ) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, XXXX XXXX is fraudulently misrepresenting themselves to be the " assignee '' of SYNCHRONY BANK, when in fact they are just debt buyers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccuracies on my credit report that I have recently reviewed. Upon closer examination, I have found errors, as well as accounts that appear to be fraudulent or unauthorized. Please find the details below : XXXX XXXX XXXX Opened : XXXX Showing an amount of {$3400.00} then {$4000.00} XXXX XXXX XXXX Opened : XXXX {$170.00} I request that these discrepancies be thoroughly investigated and corrected. Please remove any fraudulent or inaccurate accounts from my credit report as soon as possible. I would also appreciate receiving confirmation of any updates made to my report.

Attached are any supporting documents that may assist in resolving this matter, including copies of identification and evidence of the disputed accounts.

Thank you for your prompt attention to this issue. I look forward to your swift resolution.

Kindly!
Product: Mortgage

The escrow account does not add up. Chase Bank keeps raising or mortgage by hundreds of dollars every few months. They claim we have an escrow shortage after they have completed their analysis. They lied and said our home owners insurance went up from XXXX a year to XXXX a year. I called usaa and our mortgage has never hone up I called chase bank to cancel the escrow account and first they promised and then called to refuse. Our property taxes are only XXXX. A year. We pay XXXX a month for escrow plus additional amounts XXXX. XXXX to keep our mortgage payment down. They are crooks.