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

There are 3 accounts on my credit file being reported by XXXX  # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX   reports 60 days XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. 
In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report XXXX XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX  # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C. XXXX. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )
Product: Credit card

I did not open this account when asked for the contract the company did not provide but harasses me for payment
Product: Debt collection

XXXX aka XXXX SourceRM called me asking for personal information and since I was n't aware of any debt I told them I could provide personal information. I called XXXX to verify the debt and then called the collector back. Someone answered the phone and said " did n't someone speak to you already? '' and I said yes is there a problem with that? and she said " you did n't provide personal information so we cant help you '' I told her Listen I did n't know who was calling me and she hung up on me. Not only very only very unprofessional but also since l will not be getting the verification of debt in writing within 5 days it is also illegal. Called back XXXX the transferred me to collections dept outsourced to the XXXX spoke to XXXX, she told me to call SourceRM the company that was n't taking my call. Asked for a manager, she said it would take 30 mins, I said I had all day. She then told me she could transfer me because I was n't a XXXX customer ( Oh that will get me back as a customer ) Asked for her agent ID number said it was policy not to give out personal information. ( What? ) I reiterated I wanted to speak with a manager and she hung up on me. Great
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear BBVA, Banco Bilbao Vizcaya Argentaria, BBVA, AND XXXX XXXX XXXX XXXX ( debt Collectors for BBVA Bank ) C/O CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E, AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( MURAD ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

Sincerely and Respectfully, XXXX XXXX XXXX
Product: Credit reporting

I have XXXX accounts that are reporting incorrectly. XXXX XXXX this was shown as included in bankruptcy when I told them I do n't have a bankruptcy on my report that put it on as serious late payment history that is also wrong. 
XXXX I also have a XXXX county I called they told me I have to dispute it they refuse to investigate because if they did they would see its wrong they have done nothing and you company dose noting as well I have done this now 15 times and you have done nothing for me whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victimized by identify theft. Multiple accounts have been opened up in my name. And i need them removed now. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To freeze credit we are required to file a request with the 3 major companies. XXXX accepted my request. XXXX  accepted my request. Several attempts with Equifax on line and on the phone have been aborted by someone other than me after I have submitted information including SS #. The interaction is accepted for maybe two minutes and in the middle of the transaction I get message on the phone or on line saying " sorry we can not handle this transaction. '' I want Equifax to freeze my credit. I want them to recommend the safest way for me to accomplish this. If it is by mail then I need to hear that they are on top of things by mail.
Product: Credit reporting or other personal consumer reports

I'm am disputed 1. XXXX XXXX # XXXX {$48000.00} 2. XXXX XXXX # XXXX with ( XXXX XXXX XXXX for {$34000.00} ) As you can see accounts above were due to identity theft. The Account XXXX XXXX XXXX was supposedly been deleted but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( XXXX # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ...
I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount.
When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that Experian and XXXX have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you
Product: Mortgage

Trying to refinance our mortgage I found out today that the mortgage company is falsely claiming that we have missed payments in the past year to stop us from refinancing.. The mortgage is with Quickens Loans who boldly got away with having no judiciary responsibility to pay the taxes on our home and now they are attaching big payments to the mortgage and claiming we have missed payments this past year ... They claim they paid the taxes, but our escrow account is short so they are still making us responsible for the taxes ... They did not pay the taxes for 4 yrs ... which lead to this mess and we spent XXXX to an attorney who will not do anything now ... to help us resolve this issue..hopefully you can do something..
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX have 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.

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. 

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not updated the status of the account XXXX  XXXX : # XXXX and this report appears to be older than XXXX XXXX XXXX & should not be reflected on my report for any reason.
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 settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

n Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.
Product: Debt collection

Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to XXXX XXXX XXXX but I 've never had services with XXXX XXXX XXXX. After two days of calling XXXX XXXX XXXX and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old XXXX account that was turned over to XXXX XXXX XXXX after they brought XXXX out. I settled the account with XXXX in XX/XX/XXXX or XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Dear Sir or Madam : I am writing to dispute the following information in on Experian credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have this account placed on my report by this agency. Please remove this accounts immediately, as my rights are being violated. 

Please update me, when this item is removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 


Inquiry : XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Product: Checking or savings account

First Tech Federal STOLE {$15.00} from my savings account. I've NEVER had any problems with them in the XXXX years that I had the account open with them.
Product: Credit reporting or other personal consumer reports

Hello, I have a school loan with XXXXXXXX XXXX, have contacted the school loan XXXX several times, they are shut down, and have sent my school loan to a debt collector, but I have made an agreement with the XXXX XXXX XXXX XXXXn my school loan. XXXX XXXX will not remove this from my credit report, and I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

nothing has been resolved equifax. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more stupidity. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE idiots have blocked me from creating a generic security account at trustedid.com?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my credit report through XXXX  and XXXX. There is a collection from Southwest Credit Systems ( SWC ) for the amount of {$66.00}. I called and spoke with XXXX, from SWC, and she informed me that the collection was from a case that opened in XX/XX/XXXX for a delinquency in XX/XX/XXXX from XXXX. She was unable to provide proof of the debt, and was unable to provide any information regarding any attempt to contact me for the past 5 years. 

XXXX transferred me to XXXX Fraud department where I spoke to XXXX. He was unable to provide an itemized invoice for the {$66.00}, but was able to direct me to a website for ID Fraud via XXXX. ( I am currently trying to obtain proof of residency from XX/XX/XXXX - XX/XX/XXXX, but COVID-19 is causing some of those resources to be closed ). XXXX also confirmed that my XXXX account had been deactivated in XX/XX/XXXX. 

I called XXXX billing and spoke to XXXX, who again was unable to provide me with an itemized invoice for the amount being " collected '', instead he transferred me to XXXX, in customer service, and she was able to create a collection dispute ticket ( # XXXX ). XXXX was also able to verify that my XXXX account had been terminated in XX/XX/XXXX, at which time the account was transferred into ( my then husband, now ex-husband 's name ) XXXX XXXX. XXXX confirmed that there had been a review of the account completed in XX/XX/XXXX, but she was unable to provide and itemized invoice for the {$66.00}, and she was also unable to confirm any attempt had been made to contact me in regards to collecting the alleged amount due. 

At this point in time, 5 years after the alleged delinquency of {$66.00}, Southwest Credit Systems has reported derogatory information on my credit report without attempting to contact me, and without proof or validation of the amount owed.
Product: Credit reporting or other personal consumer reports

Contacted expirian about a hard credit pull by experian business credit that I did not authorize, they informed me on a recorded line that they could not even look at unless I paid {$1.00} they said this {$1.00} would allow then to view to view all three credit agencies and monitor services informed them I do not need this service that would charge {$19.00} after seven day then when I informed them I needed this unauthorized inquiry removed she informed me it would be a {$75.00} fee for some they are required to do by law I told her that I was not interested and to cancel whatever they were trying to charge in 7 days on a recorded line she agreed and told me it was canceled. But of course when I awoke I saw they charge me {$19.00} any for some XXXX XXXX NONESENSE which is what experian was pitching and I canceled when I called experian they noted that it was canceled but I had to also call a 3rd party XXXX XXXX AND opted out XXXX  I didn't I was even a member so I call this 3rd party who promptly told me there are no refunds and I told them that they and experian were running a scam they then they agreed to a refund I filed this report for 2 reasons one to make consumers aware and secondly to have this hard inquiry remind as they are required to do by law. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX