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

We applied and were approved for COVID forbearance. XXXX XXXX has acknowledged this. XXXX has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. XXXX continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. XXXXXXXX XXXX failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau XXXX To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Spoke with XXXX, & XXXX ( Resolution Specialist ) on ( XX/XX/ ), XXXX & XXXX ( XX/XX/ ), XXXX XXXX XXXX, & XXXX ( Supervisor ). Also, XXXX credit {$700.00} but CitiCards bluntly refused to credit my credit card account. The detectives investigated this matter thoroughly and found that Citi Cards in involves in " Petty Larceny '' ( Complaint Report # XXXX ) since the amount is always below ( {$1000.00} ) could not be classified as Fraud. Many of these representatives are in third ( XXXX ) world countries eg. XXXX, XXXX, XXXX, etc. and don't quite understand the problems. On XX/XX/ I spoke with XXXX & XXXX ( fraud dept ) and they could not resolved and issues, even though relevant documentations were sent to Citi Cards. Citi Cards also reported these accounts as delinquent and late- which seriously affected my credit. Every one of my accounts including my Mortgage are being PAID on a timely manner and in weeks before due dates which can be verified. Cards # XXXX & XXXX & XXXX & XXXX. Citi Cards would cancel the cards, issue new cards, but keep on carrying foward the disputed amounts
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..
Product: Mortgage

recently filed Chapter XXXX as I had got behind with my bills and my hours were cut back at work due to the Covid 19 Pandemic. I did not file on my mortgage company for obvious reasons. When I went on line to make a payment I found I was locked out of my account because of the bankruptcy. I called them and explained that i had not filed on them and was told I would need to mail in a payment and that they could not even talk to me without permission from my lawyer. I had my lawyer send them a form giving said permission on XX/XX/XXXX He received an email from them requesting the account number associated with my mortgage and he sent them the needed information the same day. In the mean time I sent a check for my XXXX payment in the form of a metered mail envelope that my secretary hand delivered to the post office. That was on XX/XX/XXXX, on XX/XX/XXXX I had still not seen the funds removed from my checking account. I called them on XX/XX/XXXX and talked to a customer ambassador and was told to set up bill pay through my bank and had no idea where my check was. I asked to talk to a supervisor and was told that they needed permission from my lawyer, and was told they had never got anything from him even though he has the email they sent him requesting the account number and the email he sent them with it. Not making a lot of sense to me at this time. 

Now it is XX/XX/XXXX They claim they have still not received anything from my lawyer which can easily be proven untrue when I try to call from my cell phone the call will not go through but I get through immediately from my work phone and there 2 separate charges of XXXX one on XX/XX/20 and one on XX/XX/20 labeled bankruptcy expenses that I can not get an explanation for. ( I did not file bankruptcy on these people ) Please help Also I can not send extra money with my payment and I could with the mortgage company that sold them my account I do not think that is right I made sure when I refinanced that I would be able to I thought they had to honor existing agreement when buying out mortgages?
Product: Money transfer, virtual currency, or money service

No warning regarding the safety of money, just used it to compete with other apps
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 the 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 investigation into my account transactions.
Product: Checking or savings account

I followed an advertisement that Citi had for receiving XXXX to XXXX XXXX XXXX miles. I followed ever thing listed as a requirement. I have included the " Welcome letter '' showing what I had left to complete the requirements. I completed those requirements. Both parties agree that I fulfilled the steps required to receive the miles. The disagreement comes about the initial requirements. They say I did not complete the initial requirements necessary. They stated that I deposited the fund int o the wrong type of account to begin with. I told them that I did and that they even sent an Email welcoming me. 

If I received a welcoming letter... Then what did I do wrong?? They had no answer and that is the last I heard from them.
Product: Credit reporting or other personal consumer reports

ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE XXXX  XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS XXXX  XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US Code 1681b ) FCRA 611 ( 15 US Code 1681i ) FCRA 609 ( 15 US Code 1681g ) i am writing to formally request the immediate removal of the following unauthorized fraudulent negative outdated inaccurate accounts from all consumer reporting agencies EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX. my information has been exposed to multiple data breaches which result in identity theft this ia in fact a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ) specifically listed above. FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX ( XXXX ) XXXX XXXX INT ( XXXX ) XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Was always having overdraft fees due to thinking I had the money in the account since it showed then after a couple days the money would be taken out with an additional overdraft fee. With Navy Federal Credit Union.
Product: Credit reporting

Contacted the credit bureaus concerning several accounts that 's in collection that are not mine. disputed this information along with unauthorized inquires. the credit bureaus would not move. also advised that they have the incorrect birth year for me and also sent in my birth certificate along with dl, and ssn. but they will still not remove. also contacted these agencies and they will not remove. please help. I am only XXXX and did n't not do any of those transactions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of identity XXXX  documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against Experian, or not join I sent Experian a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to Experian, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to Experian, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, Experian will just add the name of the wrong person, to justify their entry. In this XXXX entry, experian previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that Experian will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

My husband paid the total amount for the services on the day of my XXXX. We never agreed nor expected more bills to show up in the mail box.
Product: Money transfer, virtual currency, or money service

coinbase involuntarily logged me out of my account then refused my passport photo id for verification purposes ive been locked out of my account over XXXX  months now
Product: Checking or savings account

On XX/XX/XXXX, I created a transaction using the pay anyone function in the app to send {$400.00}. My recipient stated that they did not receive the money. They contacted their financial institution and found out that Chime reversed it seemingly for no reason. Chime forced me to dispute the transaction stating that they felt the need to investigate. As of XX/XX/XXXX, they have denied my dispute despite neither me nor the recipient being in possession of the funds.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$60.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$53.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$74.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$100.00} Account Name XXXX XXXX XXXX XXXX # XXXX - BALANCE {$86.00} Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$86.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$910.00} Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows my closed and paid in full account with XXXX XXXX XXXX XXXX to be open with a $ 28K+ balance, payments past due, etc. This account was paid in full in XX/XX/2015.  Nothing I do seems to be able to get them to adjust the account status.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit union acct # XXXX failed to provide proof of this account is XXXX XXXX XXXX account with a physical signature for this account. This a violation of 15 usc 1681b for that I didn't consent to this account being reported. Also Navy Federal has failed to validate this account is mines under 15 usc 1692 g validations of debts. I also found that Navy Federal Credit union XXXX and XXXX have been been selling my debt as securities and making profit according to the Sec filings that's filed without my permission. This is also a violation for my consumer rights under 15 USC 1348 which is Securities and commodities fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently reporting an account that was already handled and deemed inaccurate last year. I fought with XXXX XXXX over this account and the entire exchange was and is still documented through the CFPB website. Apparently this is some low level, third party debt collector who now thinks they can re-report this to my account and attempt to ruin my financial reputation. This is extremely damaging to me and I will not hesitate to immediately take this to litigation if they do not remove it. I demand this company provide the original, wet ink signed document between the consumer and the alleged original creditor, along with all the other requirements to validate and verify this alleged debt, pursuant to 15 USC 1692g or cease and desist all reporting and collection efforts.
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$140.00}
Product: Debt collection

Calvary Portfolio Services has repeatedly called my work number when the contact number I provided is my cell number. I work in a law firm and they do not allow these calls. CPS called and left messages on my work voicemail on XX/XX/19 at XXXX and XX/XX/19 at XXXX XXXX and called again this morning XX/XX/19 at XXXX XXXX. but did NOT leave a message. Further, I can not communicate with them on my cell phone when I am at work between XXXX XXXX. and XXXX XXXX. I have payments set up with them for my credit card accounts that need to be paid, so there is no reason to contact me numerous times a day every day by phone. It will not change that I am doing all I can do to resolve the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquires made on XX/XX/2021 by XXXX Card and Citi Card/Citibank and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.
Product: Credit card

The Apple Master Card issued by Goldman Sachs is apparently providing a significant cash back bonus offer to existing card members, but only by invitation : XXXX XXXX XXXX I have been a cardholder since the release of the card and was not " invited '' and there is apparently no publicized criteria for being " invited '' to receive this benefit. I have always been in good standing and have a credit score of over XXXX. Is this legal, to discriminate amongst card members in good standing, by providing a cash benefit to some customers and not others?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite contacting Experian many time personally and true my lawyer my credit score unavailable. I can not make any purchases, can not buy a car, can not open secure or regular credit card, can not rent apartment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I filed disputes on all my credit reports, for XXXX, equifax, and XXXX For a charge off that should have been removed because XX/XX/XXXX makes 7 years since the XXXX delinquent payment. They are not removing the item they just keep saying they updated info. I have XXXX more items suppose to fall off in XXXX and XXXX this year. Hopefully I don't have to complain again about this. The account was for XXXX.
Product: Checking or savings account

Around XX/XX/2023 I requested to withdraw all funds from my investment account ( approximately {$1000.00} ) and MoneyLion refused to do so. They requested further information to verify my identity. I did exactly as asked and sent them all the info they requested but they promptly locked my account and kept the money inside the account. No matter who I talked to or asked, they would not tell me why they did this, or give me any information on they did with the money.