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

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did you validate my signature to confirm my contractual agreement? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXX XXXX XXXX XXXX XXXX This account shows XXXX late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX I ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX } REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX 4. My current employment info XXXX XXXX, XXXX, XXXX, Oregon XXXX 5. Social Security XXXX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Product: Debt collection

I have paid off my credit card debt with Capital One on XX/XX/XXXX. 
I can show on my bank statement the balance amount being paid to CapitalOne on XXXX XXXX, XXXX. 

CapitalOne online is still not showing my payment as of XX/XX/XXXX and is stating my account is overdue and a payment must be made to avoid late fees. I'm sure CapitalOne will also report a false statement to the credit burea. 

I called and spoke to a person at Capital One by the name XXXX, only name he gave me, on XXXX XXXX, XXXX at XXXX XXXX  PST. 
He gave me no real answer and said to give it a few days. 

This is the first time my deposit has not appeared the next day. I'm afraid it will damage my credit score, I am currently at 100 % at paying my bills on time. I have screenshots and accounts available as proof of my complaint. Also, I would like to close this account now that it is paid off to avoid being charged their annual fee in about 2 weeks.
Product: Debt collection

DISCOVER BANK IS REPORTING LATE PAYMENTS ON MY XXXX  AND XXXX  XXXX REPORTS AND I DONT HAVE AN ACCOUNT WITH THEM.THIS SHOULD NOT BE REPORTING ON MY REPORTS. IT IS NEGATIVELY EFFECTING MY CREDIT SCORES AND IT NEEDS TO BE REMOVED IMMEDIATELY. THE ACCOUNT NUMBER IS # XXXX.
Product: Mortgage

I started the mortgage process with a company called AmeriSave. They use a company called XXXX XXXX to contract out the appraisal services. AmeriSave charged and collected {$430.00} of my money for the appraisal services. 

AmeriSave Mortgage did not disclose to me that they are affiliated with XXXX and so I thought I would be getting an " independent '' 3rd party for appraisal services. If there is an affiliation, then there may not be independence during the appraisal process. When the appraisal came in, it was roughly $ 25K lower than 3 other appraisals that 3 separate mortgage companies had done on the home. One of the appraisers even used the words " grossly understated '' when looking at the appraisal done by the company XXXX XXXX used ( See appraisal attached ) AmeriSave then cancelled my loan and so I was out the {$430.00} that I paid for the appraisal during the beginning stages of the loan process As a result, I was not able to do the refinance due to lack of equity in the home and am out the {$430.00} that I already paid out of pocket. 

I feel like I was " dupped '' by AmeriSave not disclosing that they were affiliated with XXXX XXXX and I was under the impression that I was getting an independent appraisal. This has happened in the past with these 2 companies ( See link below ) : http : XXXX I would at min. like my {$430.00} back, however feel that these 2 companies are doing similar actions to other home owners!
Product: Debt collection

I have disputed this collection listed on my credit file which I have never been contacted about nor owe. Please assist
Product: Credit reporting or other personal consumer reports

Experian saying my identity theft may have been made in error.
Product: Debt collection

In XX/XX/XXXX, I purchase a vehicle from XXXX  XXXX. About two weeks later I returned the vehicle back for over heating issues. I was given a loaner car for about 3 months until the issue were fixed. After receiving my vehicle back about year and some months later the heating issue started back up. After taking it to the shop to get it fixed the issue was never resolved by XXXX XXXX. XXXX XXXX sealed the part that was causing the issue. After I was given notice what was done and why the issue kept causing problems the vehicle broke down. The vehicle was going in and out the shop to fix the problem. I contacted America credit acceptance to do a voluntary surrender and was denied the service. So, I stop payment for them to repo the vehicle so I can do a settlement because I no longer want the vehicle because of the issue I was having. XX/XX/XXXX the vehicle was finally repossessed. In XX/XX/XXXX I contact American credit acceptance to see what was my final debt after the vehicle were sold and to settle my debt. I was told I can settle it by paying whatever I want so I declined the option and told them to mail me a settlement option so I can clear my debt. I was never any option to settle the debt. On XX/XX/XXXX I  noticed the account was higher than usual so begin Disputing it. The balance at that time was now at XXXX. I have filed complaints against them with XXXX that the balance keep changing. After receiving a follow up by XXXX it was brought to my attention the account is still open. My rights has been violated by false reporting to account that supposed to be closed after the vehicle were sold in auction but instead the account remains open and occurring interests.
Product: Checking or savings account

I am a member of Navy Fed Credit Union. I have been a customer since XXXX  and was wrongly overcharged in the past for overdraft fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an ACH Transfer utilizing Western Union and was paid for and attempted to be sent to me in the amount of {$7500.00}. The problem was the sender utilized the routing number for wire transfer versus ACH, because Western Union told her the funds would be wired SAME DAY. 
On Tuesday, XX/XX/2023, I called to check the status because the monies had not shown available in my bank account. Upon checking, the routing number the monies was sent to was incorrect. XXXX XXXX  XXXX advised it was rejected and never deposited into my account. Western Union still attempted to tell me and the sender the monies was delivered to me. XXXX XXXX XXXX spoke to Western Union on several occasions advising the fund were rejected because the wrong routing number was used. And asked the funds be resubmitted using the right details. Western Union confirmed they were not aware I had a business account which should have not even been allowed to be sent. 
Ive spoken to Western Union for countless hours, so has the sender and they refuse to release the monies to me or the sender. Claiming they do not have the money XXXX  XXXX XXXX does. However I have proof the money never deposited. This is FRAUD, Ive sent bank statements, chat transcripts and recorded calls showing the money was never deposited. 
This money was for emergency medical funds. They are not doing their due diligence to find the funds. {$7500.00} is a large amount to attempt to deceive consumers about next step is filing a police report. XXXX XXXX XXXX has provided proof the funds were rejected. I will stop at nothing to ensure the monies is rightfully returned.
Product: Credit reporting or other personal consumer reports

I consolidated my federal student loans in XX/XX/year>. Duplicate loans are now showing on my credit report ( The old pre-consolidation loans as well as the new consolidation loans ). They are both showing a current balance making it appear as if my debt is larger than what it actually is. This has lowered my credit score because of increasing my debt to income ratio.
Product: Checking or savings account

My saving account containing XXXX dollars was closed on XX/XX/2023 by Capital One Without prior notice. I have been communicating on a weekly basis with Capital One being told that my account was being investigated for fraud and when the investigation was concluded my funds would be returned to the original funding source. On XX/XX/XXXX when I called to check on the status of the investigation I was told that the funds were returned on XX/XX/2023 to the original funding source and that Capital One no longer had the funds. This is a direct contradiction to what I have been told all along.I explained to the representative that I never received the funds and had checked with my bank and they have no record of any transfer from Capital One to my checking account ( the original funding source ) The representative stated it didnt matter that I didnt receive the funds Capital One no longer had my funds. I have my bank records showing no deposits from Capital One made my checking account ( the original funding source )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

1. XXXX funding sent a letter of validation with no response account XXXX. 
2.XXXX XXXX XXXX account XXXX XXXX XXXX 3. XXXX XXXX  account XXXXXXXX,
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I initiated a Balance Transfer Loan from CitiCard XXXX in the amount of {$10000.00} to my XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX 

The amount was cleared on my CitiCard, but has never been received by my XXXX XXXX. 

Research with CitiCard indicates the payment was sent electronically to XXXX XXXX XXXX ( XXXX ). However, XXXX no longer administers the XXXX XXXX Account. 

In every encounter, I have confirmed the correct XXXX XXXX account # ( where it should go ) and the mailing address for the receiving party. 

Today, my XXXX score dropped XXXX points from " Very Good '' to " Good, '' based on the {$10000.00} not paid down at XXXX and the {$10000.00} now being charged on the CitiCard. I have provided authorization for XXXX XXXX to speak with CitiCard- but that discussion has not happened. 

What will it take for CitiCard to correct the mispayment of these funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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

This letter serves as formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ) by Equifax Information Services LLC ( Equifax ). I am demanding {$8000.00} in damages and the immediate removal of inaccurate and harmful information from my credit report. 

Despite providing all necessary documentation through the Consumer Financial Protection Bureau ( CFPB ) complaint process, Equifax has failed to meet its legal obligations. This failure has caused substantial financial, emotional, and reputational harm. I demand a resolution within 10 days of receipt of this letter to avoid escalation to litigation and regulatory complaints. 

Factual Background 1.XXXX XX/XX/year>, I filed a formal complaint with the CFPB regarding inaccuracies on my credit report. 
XXXX submitted all necessary documentation, including proof of identity, address, and evidence of the disputed inaccuracies. These documents were sufficient to justify immediate corrective action under the FCRA. 
XXXX XX/XX/year>, Equifax responded with a request for redundant documentation already provided. This constitutes a stall tactic rather than a good-faith resolution effort. 
4.Equifaxs failure to block or delete the disputed information, ensure maximum possible accuracy, or conduct a reasonable investigation violates the FCRA.

5.This negative mark on my credit report has directly prevented me from securing financing for a trucking contract offered by my best friend. This financing opportunity was essential for supporting my family, and the denial has caused significant emotional distress, including XXXX, XXXX, sleeplessness, and fear. 

Violations of the FCRA Equifaxs actions constitute the following violations : 1.15 U.S.C. 1681c-2 Failure to block and delete disputed and unverifiable information.

2.15 U.S.C. 1681i ( a ) Failure to conduct a reasonable and good-faith investigation.

3.15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting.

4.15 U.S.C. 1681b Issuing redundant and unnecessary requests for documentation, delaying resolution.

5.15 U.S.C. 1681n Willful noncompliance with the FCRA, evidenced by neglecting submitted documentation.

6.15 U.S.C. 1681o Negligent noncompliance with the FCRA, resulting in harm to me as a consumer. 

Expanded Emotional Distress Claim Equifaxs refusal to resolve this matter has prevented me from securing financing for a trucking contract offered by my best friend. This financing opportunity was essential for providing for my family. The harm caused by XXXX noncompliance includes : Loss of Income Opportunity : Unable to pursue the trucking contract due to credit denial. 
Emotional Impact : XXXX, XXXX, sleeplessness, and fear resulting from the inability to provide for my family and secure financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  dosent even have my correct last four of my social security number so how is there any collection and delinquent past due accounts on my credit report? if the social dont match? ill tell you because there not verifying nothing thats reported. because the more info the more profit they make only when i try to remove fraudelent items do they do everything they can to keep as much data they can. more data equals more profits so they have an financal intrest to not delete any data thus a conflict if intrest results discrimination. im being discriminated and as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant belive XXXX XXXX is still a thing
Product: Debt collection

ADR Group has been contacting me about an alleged debt that they are attempting to file a civil suit for, stemming from 2007. They contacted someone other than me about the debt, and provided that person with confidential information ( such as part of my social security number ), and did not verify whom they were speaking to. They did not verify my identity and therefore provided this info to an unknown caller. They provided the phone number XXXX to the person they assumed was me. 
On XX/XX/XXXX at XXXX, I then attempted to contact them myself. They refused to answer my questions about sending me documentation proving that I have a debt of {$730.00}. I attempted to advise that if this debt was legitimate, that it had far surpassed Arizona States Statute of Limitations ( 6 years ). He told me that they had 10 years. I requested documentation of the original alleged debt, and they hung up on me. 
On XX/XX/XXXX at XXXX I attempted to call again. They did not answer. 
On XX/XX/XXXX at XXXX I called again. The representative ( male ) did not verify my identity, and began providing account numbers for the alleged debt. I asked when my court date was so that I could appear. He told me the court date was XXXX XXXX at XXXX XXXX County Court. He refused to provide a time. I attempted to ask about the time, he interrupted me by saying that he would send the documentation. I told him to not interrupt me, and he told me " No, I am in control and I will tell you what 's up. '' I attempted to ask where they were sending the documentation ( as they did not verify me, I have no idea what address they are sending this to. I 've moved several times in the last decade ). He hung up on me. 
On XX/XX/XXXX at XXXX I called again. The representative ( female ) did not verify my identity, nor did she request my case number. I asked her about the court time. She stated that a motion had not yet been filed. I advised her that the previous representative had advised me of the date and location of the court summons, but not the time. She stated " I do n't know why he would have told you that. '' She told me she would have the court summons sent. I asked about where she was sending it and she provided XXXX addresses ( still not knowing if I was actually the defendant. No one has yet even confirmed my name ). I advised her to send it to the second address provided. She stated I would receive it within two weeks. She then proceeded to tell me that " if you were a paralegal, you would know that. '' I advised her that I am not a paralegal, and never said I was. She then said " well he told me you told him that. '' then hung up. 
On XX/XX/XXXX I went to the case lookup function on XXXX County Superior Courts website. There were no court cases under my current or maiden name from this group. I attempted to look them up on the internet. They do not appear to have a website, which seems fraudulent. I then proceeded to file a complaint with the Federal Trade Commission for what appears to be a possible Identity Theft scam or phishing. 
FTC Compliant XXXX
Product: Mortgage

Yesterday ( XXXX ) I received a call from XXXX XXXX from Mortgage One. I have attached his information. He had already called my sister ( who is on vacation ) and asked her for her credit rating. I might say she gets very anxious when she is pressed for answers, so I do most of our phone conversations. XXXX also has someone working with him but I don't remember his name. They told me that XXXX my loan officer with XXXXXXXX XXXX handed our loan off to them to get the final information. They were pressing me for information repeatedly after I asked if I could do this the next day, I was working XXXX XXXX and was on deliveries and trying to get to someone's house. I asked to talk to XXXX and they told me he was busy. They just kept talking then agreed to call me back, but, a few minutes later I received another call and they said it would only take a couple of seconds to complete. I was so frustrated by that time, I tried to answer the questions and told them I would send everything they needed when I returned home. When I got home I had an email from XXXX XXXX asking for bank statements, licenses, rewards letters from XXXX and insurance declaration page. I couldn't understand why they would need to have all of this since I had already sent it to XXXX. They also told me they were going to pull my credit again. I really try to look for scammers or fraudsters and once again I was caught in a scam. Since my sister and I are XXXX ( XXXX and XXXX ) we really need to protect our money. What is happening in our world that XXXX are not safe from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been over 90 days and this company is in violation of this law because I'm a victim of identity theft! Please delete these items as soon as possible!!! ; XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were 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 an investigation into my account transactions.