23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called NAVY Federal Credit Union customer service number to request membership as they said I was eligible for membership through my XXXX old daughter f ( as my ex-husband was retired military ( per the Navy FCU Rep ). As requested, I forwarded the requested copies of identifiable docs to start my account ( DL, car registration, etc. ). I knew I was in the market to purchase a home through Navy so until I was ready I began to have {$500.00} per check directed deposited into my new checking account. I was excited weeks ( after deposits were made to my account ) later I was officially APPROVED through Navy 's mortgage team for a 100 % home mortgage. I found the house, signed the contract, received the Navy 's approval letter, paid the seller the earnest money - and started the underwriting process. It was at the time I was instructed by Navy FCU to pay them $ {$650.00} so they could get the appraisal ordered that things went south. I paid the money to Navy, appraisal was ordered, and while waiting on the appraisal report, I was told by my Navy Load officer that she could not move forward with the loan b/c my membership was frozen and eventually CLOSED as an invalid account. I asked for at least my refund for the MONEY lost ( including appraisal fee ) since I put earnest money down and everything based on their mortgage approval letter ... I had signed a contract for a home, put earnest money down ( no refundable ) and just gave Navy {$650.00} for the appraisal and NOW they tell me after further review of my membership application, I am NO LONGER eligible for a Navy Federal membership after all. I tried to beg the Loan officer AND Manager that I am going to lose tons of money b.c THEY did not do their due diligence BEFOREHAND. I did not do anything wrong when applying as I called and spoke with a Navy Rep who completed my my application. I should at a bare minimum my appraisal fee reimbursed by Navy FCU since it is NOT my fault that they did not tell me WEEKS earlier that I was not eligible for a membership after all. Their Manager said, that they will NOT reimburse my money and also said that I am banned from being eligible for membership for Life ... Really? For Life???? What did I do to deserve that? I asked to speak with someone else to get an explanation as to why I am being treated as a criminal and they said there is no one for me to talk to ....
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the many unsuccessful attempts to remove fraudulent items from my credit file. Despite numerous reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent information continues to adversely impact my credit standing. 

I discovered unauthorized and fraudulent entries on my credit report, prompting me to contact your credit bureau immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing inaccurate information, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent entries has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved inaccuracies on my credit report. 

Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

To my dismay, the fraudulent items persist on my credit report, negatively affecting my credit standing and financial well-being. This has resulted in undue stress and hardship, indicating a failure to adequately address the issue and protect consumers from the consequences of identity theft. 

I understand that addressing fraudulent entries on credit reports is a complex and challenging task, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my credit file. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX Acct # XXXX XXXX {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX-Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-debt final rule 1002. 142 ( b ) ( 4 ) -51002. 142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair credit reporting act. i am a victim of XXXX XXXXXXXX XXXX XXXX XXXX & would like for all listed accounts to be blocked and deleted company information transunion. please delete the following accounts. XXXX XXXX guide balances {$900.00} & {$2300.00}. XXXX XXXX  guide balance {$1100.00}. XXXXXXXX XXXX  balance for {$1500.00}
Product: Debt collection

On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my TransUnion credit report and there are credit inquiries that do not belong to me. I have contact both the creditor and TransUnion over 30 days ago and I havent gotten any response. I have sent letters listing the inquiries and dates of inquiry. Could someone please help me? 


Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get Experian to deliver an update to my credit report and score. I am being told by their company that because I do not have any rotating or installment debt, they will not give me a credit score. I do have several updates for dispute, but the Experian customer service told me I am not being published as I don't have a FICO XXXX score. XXXX  and XXXX  are reporting fine.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was victim of ID Theft in XXXX, I filed my taxes and was informed that my identity was breached. I informed Trans Union, and provided the proper documentation. No response as of yet. I am requesting that they delete the following accounts as request. 

-XXXX  account # XXXX opened : XX/XX/XXXX -Digital XXXX XXXXXXXX XXXX account XXXX opened : XX/XX/XXXX -XXXX  account # XXXX opened : XX/XX/XXXX -Aldous account # XXXX opened : XX/XX/XXXX
Product: Checking or savings account

Late XXXX  on XXXX XX/XX/2023 we made an arrangement with a moving company that misrepresented themselves. They claimed to be affiliated with a recognized company, which they were not, and we immediately tried to cancel the service before they processed the payment on XXXX XXXX. They were unresponsive, so first thing that morning I contacted Chase bank to try to stop them from issuing funds to the merchant. We cancelled the debit card and were issued a new number, so the funds should never have been withdrawn. 

The bank statements indicated that they did post the charge anyway on XXXX XXXX, but it was refunded by Chase bank on XXXX XXXX. I thought the issue was resolved. 

More than 45 days later, on XXXX XXXX I saw that the charge was being reversed again to my account. I contacted Chase who said they substantiated the claim with the merchant and I should try to follow up with them, but that is impossible. The representative even said it sounded like I was scammed, but they were unwilling to help. They are siding with a fraudulent entity rather than a loyal customer. I acted as swiftly as I could to try to prevent the scam. 
I have not been provided the evidence from Chase, but I expect it relates to a clause on the agreement that it couldn't be cancelled within a timeframe without forfeiting the deposit, but I believe that is an illegal contract stipulation, as there should be protection that any such contract can be cancelled by written request, which I tried to do to revoke authorization of the payment before it was processed.
Product: Credit reporting or other personal consumer reports

My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from XXXX, XXXX, and Transunion in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. 

I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Product: Debt collection

Today 's date : XXXX XXXX 2017 I have used Paypal in the past to buy something because that is what the company I was doing business with said I had to use. Recently I began getting emails from Paypal to set up what they called a " credit account. '' Doing this requires that I pay Paypal some money so they have it in case I want to buy something. I have told them two or three times I have no interest in setting up this kind of an account and will not give them any money and they keep on sending me emails telling me I missed a payment. I just called them and tried to tell them and the guy who I was talking to started trying to tell me what I had recently purchased using Paypal, which was completely paid for. I do not remember when I bought it or what it was since it was not a business expense since I do n't have a business. The email they use to send me this can not be replied to so I have to call them and every time I do that, they argue with me. Today I finally told the guy that I was hanging up and did so without waiting or him to say anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these XXXX XXXX XXXX accounts on multiple occasions and they keep coming back as update and or verified ignoring what is actually being disputed, Ive requested these reporting agencies to show proof of how they were verified on multiple occasions and I have never received anything just ignored, which is grounds for suit! I have been disputing multiple violations and I want these immediately deleted off of my credit report! 

1 ) reporting CO every month and re- aging these accounts are unlawful and are a Violation!

2 ) 1099Cs, which is income do not report to the consumer report, those accounts are 1099Cs and according to the IRS CO are considered ordinary income which means all of these accounts are inaccurately furnishing on my credit report, the company has already filed this in their taxes so why is this on my credit report? this is unlawful and in serious violations, according to 15 USC 1681eb it speaks on MAXIMUM ACCURACY in the consumer report, immediately delete
Product: Credit card or prepaid card

I had filed a complaint with Wells Fargo for charges that were not made by me or authorized by me. The person who took the card was an adult son. He is not on the account and was not allowed to use the card on his own. Wells fargo is asserting that he was authorized and that is not correct. I have filed a police report as soon as I could regarding the occurrence - with XXXX County Sheriff Department case XXXX. 

I had a difficult to use card, replaced. The card had issues with both the strip and the chip. I had thrown the card away in a trash compactor. Apparently, the individual took it out of the compactor without my awareness, and cleaned it from the food I had compacted on top from the fridge and put it back together somehow. I noticed utilization of this card when receiving an email indicating the card was being used 20 miles north of my location. I had called the XXXX XXXX to investigate the charge and the manager recalled the thief as the " card was very hard to use ''. She furthermore described him. After careful inspection of the statement this person used my card in locations I may use it. To be undetected. But also places I had not gone. Like a tire shop, vape store, XXXX, as burger, XXXX.. XXXX, XXXX charges totalling over {$1200.00}. This individual moved and went crazy with a card he put back together. After confronting him he admitted to taking the card prior to destruction from my wallet and returning it undetected, and later taking the card when it was disposed of. 

Wells Fargo Credit Card comes with Zero Liability at no extra cost. Its built-in protection features ensure that you wont be held responsible for any unauthorized transactions, as long as they're reported promptly. 

They were reported as soon as noticed. It takes time here to get the police report, etc. Wells fargo is not holding to their agreement. The charges I had highlighted were indeed fraud.
Product: Debt collection

On XX/XX/year>, I mailed a Certified Debt Validation Letter to Chrysler Capital via United States Postal Services which was delivered on XX/XX/year>. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/year>, and it was delivered on XX/XX/year>, giving Chrysler Capital 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Chrysler Capital After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are to old to still be reporting on my credit. Please remove
Product: Student loan

On XX/XX/XXXX the CARES act was passed which suspended payments for federal student loans. I had a small amount left on my federal student loans but i took the opportunity to keep cash in my checking. A few months later I checked my credit score and see that my federal student loan accounts were listed as delinquent. It was and still is hurting my credit. Since it was not a lot of money I paid off the entire balance in XXXX of XXXX. Now it is sitting on my credit score as " closed '' and " delinquent ''. 

On XX/XX/XXXX The Department of Education announced that it will restore accounts to good standing. 

" This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' AES did not treat my account as the CARES Act dictated, nor have they followed the direction of the Department of Education to right any issues related to borrowers credit.
Product: Credit reporting or other personal consumer reports

I've noticed around XXXX XXXX that my Experian credit report was reporting duplicate charges of my student loans. For example, each subsidized & unsubsidized loan I've received was on their website twice. So, for example, me owing XXXX it shows XXXX. I went on the student aid website along with my direct loaners ' website. The information is inaccurate. I should be around XXXX with my student loans. I'm not sure if this is some type of glitch with Experian as I just had to place a credit freeze with all XXXX bureaus due to fraud concerns around end of XX/XX/XXXX. On XXXX XXXX XXXX it shows the amount that corresponds with my loaner 's website & the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is reporting to XXXX  and XXXX XXXX erroneous information they have submitted 3 different versions of late payment now it shows charges off since XX/XX/XXXX this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XX/XX/XXXX I want this removed from my report
Product: Debt collection

I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.
Product: Credit card

Fraud charges and they did no resolve them! They are being XXXX and disrespectful!