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

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed...

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

I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Payday loan, title loan, or personal loan

XXXX I began an agreement with XXXX XXXX XXXX 's to install windows and two doors. I was told my payments would be interest-free and start in XX/XX/XXXX. I received an email from MOSAIC on XX/XX/XXXX, stating money would be due XXXX. I called the MOSAIC on XX/XX/XXXX to discuss the terms. The representative on the phone concluded that there had been no money removed from the account and I requested the loan be closed. I was told to try and get in contact with XXXX XXXX XXXX and informed them of this cancellation. And the MOSAIC company would try and do the same. On XX/XX/XXXX, I spoke with XXXX XXXX, representative of XXXX  XXXX  XXXX, who confirmed that there should be no payments or interest until XX/XX/XXXX. I then received an email from MOSAIC on XXXX stating that funds from my account had been dispersed to XXXX XXXX XXXX { This was the first time I had heard XXXX XXXX }. The letter also stated : " You will also receive a final communication from us when the cancellation process has been completed. '' On XXXX I sent a written notice to MOSAIC canceling all ties. On XXXX, I received an email saying they received a payment from me. On XX/XX/XXXX I sent a certified letter demanding all rendered null and void by virtue of the total failure perform. On XX/XX/XXXX I received an email indicating payment was revoked due to Customer authorization being revoked. On XX/XX/XXXX, another email asked for payment. I am claiming due to fraudulent actions of MOSAIC and failure to perform from XXXX XXXX XXXX that all ties be null and void. I request this situation to be resolved with all further contact being written and recorded as I may be forced to take legal action.
Product: Mortgage

I have one parcel id number and two addreses XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have been paying my mortgage regularly for almost ten years on time. I do not want to loose this property i want to work something out like a modification agreement which sometimes they agree on doing that and sometimes they say they are going to foreclose.I got a letter last year that said my payments on each heloc was going from XXXX to XXXX/m each.This is when i stopped paying cause they told me i needed to do that in order to recive my modification.They asked me to make a payment XX/XX/XXXX on each so i did to Bank of America.loan number XXXX XXXX and loan number XXXX XXXX.I sent them everything asked for checks tax returns bank statements profit and loss statements you name it they have it more than once from XX/XX/XXXX.They have an incredible lack of understanding any of it. My relationship manager XXXX says ooh dont worry everyone else says nothing is happening and they hired an attorney to foreclose on me they say XXXX and XXXX some lawyer in florida.They have underwriters that will not talk to me and they are the ones that dont seem to get anything now so much time is going by im very worried.I have a XXXX son with XXXX so from XXXX years old i spent a fortune on doctors.They kept sending me documents saying the modification on both loans are being worked on but i dont think so by the way other managers who answer the phone has explained to me.This is a horrible situation.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account # 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
Product: Debt collection

This company believes I went to the hospital in late 2015, but I have no records or numbers confirming this. At that point, I was never at the hospital, and it has appeared on my credit report four years after that supposed visitation. I would like it removed from my report, as I feel I was wrongfully charged. I even looked at the website to try and figure out why this was happening, and nothing seems user-friendly, nor does it offer an efficient way to handle this situation.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$560.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported information from companies and posted it to my consumers credit report. I did NOT give TransUnion my written consent or permission to do so. No consent is identity theft! TransUnion obtained information from someone else and took information from someone else without my knowledge, which is against U.S.Code 15 1681 ( b ). Identity Fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX, XXXX, CT XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX Employers : XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hard inquiries and wrong as addresses and wrong name XXXX which I never used My name is XXXX XXXX
Product: Debt collection

On XX/XX/2023, Merchants Adjustment Services indicated in complaint XXXX XXXXXXXX they are in BILLING stages and not COLLECTIONS yet they advertise themselves as a 3rd party COLLECTIONS company. Merchants Adjustment Services therefore FALSIFIED their status, holding, and intention of this alleged debt in my name. Based on their FALSIFIED response to CFPB, this company needs to be investigated and held in contempt of federal laws. In my previous complaint, I also referenced the debt is related to identity theft and to cease and desist all communications. Merchant Adjustment Services failed to address those two issues in my original complaint. My FTC Identity Theft Affidavit was attached to the original complaint and in violation of federal laws has disregarded this affidavit.
Product: Mortgage

This is the second time I have reached out for your assistance but I have not gotten any responses. I have been trying to modify my mortgage for over two years to make the payment more affordable. No payments have been accepted by them during this time. 
I was finally told in XXXX they would modify my mortgage and the payment would INCREASE due to the amount it was behind. I agreed to this. I was asked to submit paperwork and did. Several days later, I was contacted and said that was a MISTAKE and my relationship Manager should not have told me that. Since that time, they keep sending me info about foreclosure and a hearing is set for XX/XX/ 2019, not a sale date. At the same time, they assigned me a new Relationship Manager who knew nothing of my case and has not helped at all. I talked to the Ombudsman Dept who offered to have me pay {$25000.00} a month and XXXX down which I can not do. I countered with XXXX ( which is a double payment ). They said they would get back to me. Now, I am being told the " investor '' wont allow it. I called the investor and was told this is incorrect info. I also agree that I would sell my home if I had too but this " hearing '' should be stopped. No one is responding to me and the info I have been given time after time is inaccurate. I cant cure the past due because they have ruined my credit score during this. And are ignoring me and telling me lies. I am in the business and understand the huge amount of errors that have occurred. I need help either having them give me six to nine months to sell my home and they can be paid off completely or them accepting the {$8800.00} payment I have offered to catch this up. The left hand does not know what the right hand is doing and even the atty they hired has made many huge mistakes and compromised my privacy. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXS XXXX, XXXX XXXX XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

I experienced unexpected financial hardship due to [ briefly explain, e.g., medical expenses, job loss, or other personal circumstances ]. This temporary situation affected my ability to make timely payments on my account. I have since taken steps to address the issue and resume regular payments.
Product: Credit reporting or other personal consumer reports

Well all three credit bureaus arent reporting correct information on my credit report, I had a bank loan from my bank that was paid off in full which should help build up my credit well trans union ect failed to report accurate information, after my bank sent them accurate information end of the month, these credit bureaus allowed some people opened up few accounts thats I didnt apply for, something has to be done with the credit bureaus because Ive already had file for a dispute with transunion credit bureau about bank loan never received a response back. All the loans Ive done posted to help build up my credit score credit history this company has not given a accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.
Product: Mortgage

On XX/XX/2020 XXXX XXXX at signature home lending is Denying the use of and verification of monies for Grant and homebuyers assistance programs. Lender is stating they want the use of XXXX assets and or Cash on hand only.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/year> Amounts : about XXXX USD in total I was looking for a short-term house rent near XXXX for XXXX. That was when I saw a post on XXXX, and reached out. 
I was in contact on Text and induced to pay to XXXX through PayPal as Friend & Family.

After realizing the fraud nature, I pointed it out to him. From his reply, the fraud could be firmly validated. 

Details about transaction and discussion process could be found in attachments.
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 posting 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 myths account transactions.
Product: Credit card or prepaid card

Recently my credit card company has started putting 14 day holds on most of my payments. This is a reward card and I had car payments, cable, cell phone, utilities and other automatic payments posted to this ard to maximize rewards. By failing to give me immediate redit they have made me remove all payments because for most of the month they are not making the funds available They never notified me of this " change '' and I only found out when scheduled transactions were declined. In over four years with this card - credit was granted immediately. I have not had any late payments or returned payments. I believe they saw that I was using the card for full reward benefits and instituted this to prevent me from earning maximum rewards. The card # below is a new card issued, XXXX 2021 and replaces card ending in XXXX which is where the unfair practice started
Product: Credit reporting or other personal consumer reports

According to my Experian credit report, there is a statement indicating that I had a repossession In XX/XX/year>. However, after cross-checking with XXXX and XXXX, it is clearly stated that I do not have any repossession on record. 
This discrepancy is concerning to me as it may adversely affect my creditworthiness and financial standing. I kindly request that you investigate this matter and remove the repossession status from my Experian credit report immediately. Additionally, I would appreciate receiving a copy of my updated credit report reflecting this correction. 
Enclosed with this letter are copies of my credit reports from XXXX for your reference. These documents clearly show that there is no repossession listed on my accounts with these credit bureaus. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Checking or savings account

On Wed XX/XX/XXXX I got a text saying {$98.00} for XXXX plus membership was charged on my card. It first national bank of omaha card. I marked it as unauthorized charge cause I didn't make the charge cause I didn't buy a membership from XXXX. Someone had a copy of my card. I called the bank and closed my card and there sending me a new card. I just want my {$98.00} back on my card or account which idk if the bank can do.
Product: Credit card

Due to travel delays, I attempted to check into the XXXX XXXX XXXX in XXXX XXXX in the evening hours of XX/XX/2023. I was informed my room for my entire reservation had already been rebooked to another party and I would have to find another hotel since they had no other vacancy and that I would be refunded for my reservation. I have now been trying to dispute the {$750.00} charge with Citibank for over 4 months. I was initially told by XXXX that since the room was booked through XXXX, an XXXX company, they would be responsible for the refund. When I spoke with XXXX they explained XXXX should be responsible. The charge was initially taken off, but then put back on my credit card on XX/XX/2023. I have been trying to work with Citibank, contacting them by phone and by email several times. My emails to them are documented in case you need them they can be supplied. The last correspondence by email stated that since I attempted to check-in late on the evening of XX/XX/XXXX before XXXX they put me as a no-show and therefore they had the right to rebook my room for my entire stay without a refund. I sent a screenshot of XXXX 's policy that clearly states ( Check-in time : XXXX ; Check in end time : anytime ). My reservation was not honored when their policy states I could have checked in anytime. It states nothing regarding them rebooking my reservation if I did not arrive by a certain time and they booked my room to another party, collected those reservation fees so they are receiving double reservation fees for one room that I never stayed in. I thought Citibank would quickly credit me but they have put me through an endless dispute process with terrible customer service and refusing to reply to my emails. I will attach the documentation below showing their check-in end time policy. It leads me to wonder how many times are they allowing XXXX and XXXX to double book their rooms, turn away guests, and generate double revenue simply due to a late arrival due to unforeseen travel delays when their policy clearly states otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments and erroneous reporting on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Please fix these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went on XXXXXXXX to check my credit report and found a credit card account and an address that was not mine. I called them to file a dispute to remove them off of my credit report. An investigation was initiated and processed with XXXX XXXX and Equifax as well. On XX/XX/XXXX, Equifax completed their investigation and XXXX XXXX completed theirs. XXXX also completed their investigation today XX/XX/XXXX. XXXX XXXX was able to remove the credit card from my report. Unfortunately, XXXX and Equifax are still keeping the credit card on my report saying that everything was verified but I never verified anything and I never owned any credit cards nor have I applied for any. XXXX also removed the address that wasnt mine from my account information but the issue with the credit card still remains. My credit report is frozen and locked so that no one can have access to my information. There should be nothing on my credit report but the closed accounts I have from student loans.