23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have taken immediate action to dispute a debt that does not belong to me. 
NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX ( inaccurate late payment history, never late ) XXXX XXXX XXXX  After discovering the fraudulent nature of this debt, I promptly filed a police report to document the identity theft that led to this situation. With the police report as evidence, I have contacted the debt collector and formally requested the deletion of this false debt from my records. It is crucial to rectify this issue swiftly to protect my financial integrity and prevent any further harm to my credit history. I will continue to monitor my credit reports closely to ensure that this erroneous debt is completely removed, and I can regain control of my financial well-being.
Product: Credit reporting

I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2.XXXXN XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX || Account # : XXXX - XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation of 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. 

I requested addresses be removed from profile where I've never resided to prevent erroneous information from being furnished to my report. This issue still hasn't been resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft... have been for years. 
I have supplied the necessary documents needed for the credit agencies to block the fraudulent information from my report. XXXX of the XXXX credit agencies have done their job and blocked the items, except Equifax. Equifax is willingly and intentionally violating my consumer rights and threatening my livelihood. I am ready for litigation. I have no relationship with XXXX XXXX and never have!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am with Santander. I have been trying to pay off the car. It's like my payments have not changed and I have had this car since 2014. I now need a truck. I can't do anything because of the pay off amount. This ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are following acts that violate the constitutional rights, U.S. 1581 **Inquiries- XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX *** Derogatory account information XXXXXXXX XXXX XXXX -Opened XXXX ( XXXX XXXX XXXX XXXX XXXX -Opened XX/XX/2023 ( XXXX credit limit ) XXXX XXXX XXXX XXXX - Opened XX/XX/2023 ( XXXX $ )
Product: Mortgage

XX/XX/2021, I discovered that my service provider did not pay the 2nd installment property taxes on my VA loan. The bill was sent out XX/XX/2021 and due XX/XX/2021 I called them and ask them to pay the bill to avoid the home being placed on the list for tax lien sales. They stated the SLA is 5-7 business days and it would be addressed.

It was still not addressed, so I sent emails and kept calling over and over again. 

In XXXX they informed me they paid, however, I contacted XXXX county to verify that they informed me that the taxes was not paid. I have been battling with this company for way too long and spent countless hours begging them to pay the taxes. The funds are in my escrow. They agreed again they would pay the taxes and the late fees would be extracted from their account as it is their fault that the taxes are delinquent. 
They finally paid the XX/XX/2021 tax bill on XX/XX/XXXX, I confirmed it with XXXX county, however, they did not pay the late fees. 

I am to my wits ends and frustrated that a service provider would be so lackadaisical about paying taxes. I've escalated asked to speak to managers and the result is always the same, no movement. 

They deducted my escrow account twice for the one payment and I have been begging them to correct it but like everything else with this company it is a nightmare.

This isn't the first time that they messed up my escrow, which ironically is put in place to avoid tax lien and here I am in that situation. 

I am exhausted, I sent my last email a few minutes ago and I want some assistance as no customer should not have to go through this. It takes minutes to pay taxes online. All this company has done is lie. 

This has been going on since XXXX, I shouldn't be constantly told it will take another week dragging a simple task on for so long.
Product: Credit reporting or other personal consumer reports

Greetings. Federal Trade Commission Report clearly stating fraudulent account from XXXX XXXX. Failure of Experian to allow fraudulent account from XXXX card. The data furnisher false information and violations of state and federal laws regulations in New York State. This fraud account from XXXX XXXX and Experian lack of understanding laws governing credit reporting will allow me to request punitive and compensatory damages. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from XXXX  Experian and XXXX. Please see attached supporting documents
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX  XXXX Balance : {$19000.00}.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. This would be my second complaint filed against NCS and really not sure if they care or they 're just over paying the credit bureaus but I need help aginst this company. 

I 'm uploading another round of documents and required forms. thanks XXXX
Product: Credit reporting or other personal consumer reports

This is my formal complaint to EQUIFAX. I am seeking the correction of inaccurate and fraudulent accounts in my credit reports to accurately reflect the correct information. I assert that the accounts in question were made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant accounts. The portrayal of inaccurate and fraudulent accounts in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Checking or savings account

Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TX XXXX PNC Bank Attention : Fraud RE : Notice of Unauthorized Use of ATM/Debit Card Account Number [ XXXX ] to use my ATM/Debit card in any way. 
Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was used for unauthorized transactions secured without a PIN starting on or after XXXX XXXX, 2024. I did not authorize any transactions on or after this date that were secured without my PIN.

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementin
g Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : All debit transactions secured without a PIN I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report, which includes : My FTC Identity Theft Report The CFPBs Notice to Furnishers of Information Please reimburse my account for all unauthorized transactions made without my PIN. On XXXX XXXX, 2024, I spoke with XXXX  [ Last Name Unknown ], a member of the executive team, who stated that PNC has no way to identify PIN transactions versus non-PIN transactions. However, the attached screenshot from my account statement clearly shows that PNC does possess this information. I believe this screenshot clearly demonstrates that PNC is capable of distinguishing between PIN and non-PIN transactions, contrary to XXXX XXXX statement. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored ]. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information Screenshot of Account Statement
Product: Credit reporting or other personal consumer reports

Improper use of credit file, I have no knowledge or any contract agreement with XXXX XXXX XXXX and has requested verification of this account. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the Equifax and XXXX Data breach. All is being investigated by the FTC.
Product: Checking or savings account

My tenant sent me rent money via check from his Bank of America account. A mailbox thief got a hold of the check, signed it over to themselves, forging my signature, and cashed it at another bank ( XXXX ). The check total is {$1200.00}. 

I noticed the check had been taking too long so called my tenant. He called the bank and found out it had been cashed and immediately started an investigation. This check was dated for XX/XX/XXXX and cashed illegally on the XXXX of XXXX. The investigation started late XXXX, I believe the XXXX. 

I signed and notarized an affidavit that it was not my signature or authorization for someone else to cash it on the XXXX of XXXX and sent it two day air with an arrival of Friday the XXXX of XXXX to the person in charge of the case. 

It is now XX/XX/XXXX and I, nor my tenant who originally provided the check, have received the money back. I read somewhere that the bank had 10 business days from the start of the investigation to come up with a conclusion, and payment needed to be submitted back by the XXXX day. Bank of America told me they have up to 90 days to resolve it. 

I please need help knowing my rights to get my money from the bank. This money is to pay my mortgage so I don't get backed up. 

Thank you. 

XXXX
Product: Prepaid card

I went ahead and placed two payments on this prepaid card from XXXX. The first one was on XXXX XXXX 2015 for {$450.00}, and I have my receipt, and this was supposed to be credited to the American Express Serve card. The second deposit was on XXXX XXXX 2015 for {$350.00} and at this particular time XXXX XXXX 2015, that 's when we noticed that there was nothing in the account and the account was closed without our consent, and we do n't know whom, because these people hide behind the phone. They told me that they could n't speak to me about this account because it was closed. I asked them if it was closed, where did the money go? They would n't tell me where they were located. I filed two inquiries and have gotten no information. I filed a complaint with the FDIC and they stated that they could n't help me and said that you guys have jurisdiction over this issue.I do have the receipts to validate and verify the matter. They refused to refund my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to lust accounts on my credit teport which ate over 7 years old. Despite several attempts to dispute these items, they still leave rhem as tgey were.
Product: Debt collection

First, I never received a bill from XXXX. I received and paid both XXXX Hospital bills but this other organization never contacted me. In fact, I was not aware of any charges until they appeared on my credit report. After SEVERAL attempts over nearly XXXX years to correct the amount charged by sending an XXXX, still no change has been made. My XXXX shows the amount to be paid should be {$260.00} but the amount from collections is over {$900.00}. The smaller claim has been corrected from {$400.00} to {$86.00} but I am not willing to pay this company until all charges are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to complaint XXXX, Bank of America is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating Bank of America 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Product: Student loan

Putting aside the fact that I've been paying on this predatory loan for about 13 years with minimal balance impact, Nelnet has hit a new low in my opinion. They are providing Covid-19 interest " relief '' until XX/XX/XXXX. Normally, approximately 6 % of my monthly payment goes towards interest. However, I noticed on XX/XX/XXXX they applied over 30 % ( {$110.00} ) of my normal {$300.00} payment towards interest. Basically collecting the interest from the " relief ' period in a lump some. They are deceiving the public into believing they are trying to help when they are not, and restructured my payment without my consent. I would love for the CFPB to investigate mine and other students payment histories. I'm sure it's teaming with examples of unfair or deceptive practices. How long are we going to let companies like Nelnet exploit our youth and trap them in a debt cycle well into their adult years? I've paid so much money to these people, it's sickening. Never missed a payment, yet by balance goes nowhere.
Product: Checking or savings account

Bmo is holding my money and won't refund it or give me access too it they wanted proof of identity and I emailed it too them several times and they said ok they got it in XXXX phone call but in another they say they didn't and they will not release my money or refund it too me
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 
Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of FCRA 605b and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian is refusing to reinvestigate confirmed fraud even though it has received new documentation dated XXXX/XXXX/2020. All other bureaus complied several months ago.
Product: Credit reporting

A collection account from XXXX XXXX XXXX in the amount of {$62.00} was recently deleted/removed from my Equifax credit report, but has been currently reinserted by Equifax. I believe this to be retaliation for my contacting CFPB with a previous complaint regarding my credit score. An Equifax representative told me that this collection account was from a new collection agency. However, I explained to the representative that this was the same collection agency as before, not a new collection agency who sold it to another collection agency to be reinserted. At this point, I requested that the collection account be removed/deleted as before, but was told by the rep she could not have it removed. This collection account was initially removed/deleted on XXXX XXXX, 2016. It is now beyond the statutory 30 days for removal. A supervisor at XXXX told me that this account was removed from XXXX my XXXX and Equifax credit reports, for which they reported in XXXX 2016. I do n't recall the collection supervisor name at this point. 
In closing, I want the collection account deleted, and my credit score be adjusted to positively and numerically reflect the removal/deletion. 

Respectfully submitted,
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 Credit Union for similar practices, where transactions settled insufficient balances despite initially available funds. 
I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

First and foremost we did not live in the apartment for the month they are trying to charge us for it is obvious because they are charging us for cleaning fees and rent fees for the same month and we did not live there. Secondly I requested and itemized receipt and all payment history that was made and the numbers do not match up to the amount they are trying to collect. They are creating charges to collect a month of rent from us while we did not live there and also keeping our deposit.