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

I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
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 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.
Product: Debt collection

I've attached all necessary documents below to support all claims. Including my Identity cards/address
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX made an inquiry on my credit file on XX/XX/2002. I am not familiar with this company. I have not authorized this and my credit file is suppose to in a freeze status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps denying my dispute for a few accounts when it was opened using my identity. I even provided the police report and the e-mail from XXXX XXXX XXXX! It is so frustrating. 

I am submitting a dispute for the following accounts that have been once removed and someone back on my credit report again. These were from my identity theft. 

Please remove : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts listed )
Product: Credit reporting or other personal consumer reports

Subject : Collection/Charge off Account # : XXXX Account name : XXXX XXXXXXXX XXXX To Whom It May Concern, Going over my credit report ( s ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( XXXX U.S.C. chapter. XXXX, subchapter. I 1601 et seq ). The account, has been fully paid off. I have contacted [ XXXX XXXX and Equifax ] on multiple occasions to resolve this issue, but I have not received an adequate resolution. I am now requesting the CFPBs assistance in ensuring the accurate reporting or removal of this account from my credit report. 
I have also notice that on all three credit bureaus there is different information reported for the SAME ACCOUNT, such as inaccurate dates, late payments and collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone try apply for a credit card in my name on XX/XX/19 and XX/XX/19. I have disputed this with XXXX XXXX which is the card application out in my name. I have been working on this almost a year now and equifax will not remove these 2 hard inquiries off of my credit report I have called every month since then, XXXX XXXX has sent over numerous documentation to Equifax and they refuse to remove this off. I have spoken with a rep from Equifax and they state they never rec 'd anything and requested that I send ss # , dr license, and other personal information not once but numerous times and every time its been a different address to sent to. The rep. with XXXX XXXX has been very helpful she wanted some information and I sent it last week I spoke with them and they rec 'd it and immediately sent it over to Equifax and asked once again to have this 2 hard inquires remove on my credit report. Equifax has been very rude about everything and dont help they state that it will take 30-90 days to have this remove. I stated NO I have done everything you have asked from me plus more and you haven't fulled you part of removing this off. I have spoken with my attorney and he states this is ridiculous again you are going through this and I said YES. I have also gone online and dispute items there too and they closed out my dispute with in days if even researching anything. My credit acccount with all 3 major credit bureaus have a fraud alert on it and still Equifax will not do anything. I have had XXXX  and XXXX  remove this off immediately never had to do with I have to submit to Equifax. All Im asking is if you cant have this remove this fraudulent reporting off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I did not hire credit repair company to file this report and its not filed by a 3rd party.

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX : DPT EDXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Student loan

Since the closure of XXXX due to being a for profit school, My question is why do I have to pay a loan for a education that is no longer valid?
Product: Credit card

I am writing to formally lodge a complaint against Discover Financial Services regarding my credit card account under the name XXXX XXXX. I have been experiencing significant issues with this account that I have been unable to resolve despite numerous attempts to contact Discover. 
Since XX/XX/2021, I have not been able to use my Discover credit card because I never received the card after moving to a new address. Despite my efforts to update my address and obtain the card, I have not received any response from Discover. I have attempted to reach their customer service multiple times, but each time I call, I am placed on hold for an extended period without ever being able to speak with a representative. 
Additionally, I can not log into my online account to manage my payments or access any information related to my account. Despite this lack of access and the inability to use the card, I have continued to make monthly payments. As of now, the balance on my account has increased due to these ongoing charges that I did not authorize or utilize. 
I am requesting that Discover dispute all transactions made on this account since XX/XX/2021, as I have not used the card at all during this time. Furthermore, I ask for a full refund of all automatic payments that have been withdrawn from my account over the past XXXX years. 
I have previously sent letters and made phone calls regarding this issue but have not received any satisfactory resolution. Therefore, I am seeking your assistance in addressing this matter with Discover Financial Services.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Experian, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 I have attached mailing attachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.

I have been disputing account ( s ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' The account ( s ) below are reporting inaccurate according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX XXXXXXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card or prepaid card

My sons student checking account was charged in error for my PayPal credit line and PayPal XXXX payments. 

When we noticed the error, we immediately reached out to Paypal to advise them that the withdraw ATTEMPTS were not authorized. 

PayPal stated when I linked my bank, their system automatically added ALL my families XXXX XXXX XXXX accounts- including my students checking account. 

PayPal eventually removed his checking account # from their system but in the interim, since they attempted to charge his account- he has {$120.00} in NSF bank fees. 

I requested PAYPAL to be reimbursed since he nor I authorized his student checking account to be charged. XXXX only XXXX XXXX XXXX and has no credit cards. 

PayPal denied my request and stated I would need to reach out to my bank to have them reverse the NSF fees. However, our bank, XXXX XXXX XXXX will not reverse the fees because they said its not their error but rather XXXX error.
Product: Credit card or prepaid card

The direct express debit card that my SSI benefits are going to has been hacked. The hacker or whatever took a sum of {$1100.00} out of my account early this morning. The lady " XXXX '' from the debit card company left me on hold for 3 hours and when she finally got back on the phone she said there's nothing she can do. The transaction is still pending. After reading a few articles about this service and hearing the horror stories I discovered your website. We really need help. That was our rent money. By the way now we can't get anyone to get back on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. OneMain Financial - XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting two XXXX XXXX accounts as charge offs and open at the same time and posting this monthly as new accounts. 
accounts last updated on XX/XX/year> one for {$8300.00} and one for {$3400.00}. 
This is a direct violation of the FCRA Section 1681e requiring CRA 'S to follow reasonable procedures to insure maximum accuracy and accurate and complete information. 
Section 1681i violation of the procedures that would clearly discover the inaccuracy.

Section 1681s-2 Imposes duties on furnishers of information. 
XXXX XXXX is engaging in practices that are absolutely intended to damage consumers that have had difficult times. As a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  due to his issues ( which caused my hardship ) XXXX XXXX and the CRA 's should be asshamed.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit and personal information has been compromised by the XXXX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

XXXX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXX XXXX - Would not provide act # Amount Owed {$190.00} XXXX XXXX XXXX XXXX Act : XXXX. ( Won't provide full acc_ {$340.00} XXXX XXXX XXXX Amount Owed : {$1100.00} XXXX XXXX XXXX  XXXX Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has made an error since XX/XX/XXXX until XX/XX/XXXX by reporting my XXXX XXXX  " 30 '' days late for 5 months now. However its still shows " payed as agreed ''. 

in addtion XXXX and XXXX show current ( see attached ). 

ive contacted TRANSUNION with no success.
Product: Credit reporting or other personal consumer reports

Paid Off/ should be deleted off my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

The INQUIRIES on my equifax report is wrong. I have contacted them but they refuse to remove them.
Product: Vehicle loan or lease

I feel taken advantage of as a consumer. I just found out that I never received XXXX copies of the notices of my right to rescind this credit transaction back in XXXX of 2023 when I executed this auto loan.
Product: Money transfer, virtual currency, or money service

There have been multiple instances where Ive sent money to people accidentally and they have never helped me get it back or even helped theyve just said its a lost cost no operator or live agent helped its just been through an app which is extremely frustrating and difficult I work hard for my money and its not fair that its gone just like that over a mistake and no one can help
Product: Mortgage

I sent a request for documents to clear up some confusion as to how my FHA loan I signed and have a copy from the purchase of the home one year ago. Is now a conventional loan without my permission or my wife 's permission. Now facing foreclosure with limited resources with out FHA, but how this happened and why we were not told that we got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I received emails and mail about a Wells Fargo Account. I have never opened a Wells Fargo Account therefore I am a victim of Identity Fraud. When I called Wells Fargo, they had filed an investigation and told me it will be resolved. Each month I would check and they would say they do not have an investigation for me. I have called Wells Fargo 2 weeks ago very frustrated and finally spoke to someone who said they will have it resolved within 2 days and someone will contact me/ I will get something in the mail within those 2 days. 2 whole weeks have gone by and still nothing from them. 

Wells Fargo has completely destroyed my credit because of their horrible inconsistent work. It has been over 5 months with no resolution. I am extremely upset, frustrated, and just truly need help.
Product: Checking or savings account

My home has been under construction for a major sewer leak since last  XXXX   XXXX . I was unable to live there due to the fact both bathrooms had to be torn apart to get to the leak. During the time I was not living in my home at  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX , someone started strealing my mail and somehow got into my house and obtained my information from my files and stole my identity. They opened accounts and they made ppurchases withthe account I had with  US BA NK. This wen on for abo ut six months. THey would even have the purchases sent to my address. US  Bank closed the account in  XXXX   XXXX . THey issued me a check for the remaining funds in the account after the disputes for all the transactions were completed.   Since then,  XXXX  wo Times,  once on  XXXX   XXXX ,  XXXX  and the other on  XXXX   XXXX ,  XXXX . They have reopened this account to allow more transaction to come through for some reason, and even paid them. Leaving the account overdrawn and accessing overdraft fees for the transactions and then charging me a fee of {$30.00} to close the account again. Twice.   The first time on  XXXX   XXXX ,  XXXX  the total amount of transactions an fees totaled {$310.00}. They took this money out of another account I have with them to satisfy the negative balance. Then closed the account.    XXXX  on  XXXX   XXXX , they re-opened it again and posted more transactions and fees totaling {$200.00}. They are sending me demand for payment for these charges and fees now, and they are reporting the account to reporting agencies such as  XXXX , which are preventing me from having a checking account because the new accounts I opened with  XXXX  are being closed due to the file that EWS has on me regarding th e US Bank  account.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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