23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian sent me an email stating my score had dropped by points, noting that I had a new account. There have been no additional accounts nor is that information reflected on the Experian report. I attempted to reach out to them ; however, their automated system will not allow transfer to a representative. 
I sent them a customer service request, and they have yet to respond. 
My file is frozen with all 3 reporting agencies, as such it is not possible for an account to have been opened without my knowledge..
Product: Credit card or prepaid card

On my Bank of America statement XX/XX/2021 there was a fraud charge on my credit card for {$62.00} to an unknown company XXXX XXXX XXXX XXXX. Fl. I immediately informed the bank they sent me a new card, and credited the account, The fraud phone number XXXX account ending with XXXX My XX/XX/XXXX statement had the charge again. I have spoken to several associates with no resolution. I have asked the bank for backup they keep transferring me with a hold time of half an hour. This is frustrating. 
The bank said its a rental property and this is fraud we have no rental property. 

Please help XXXX and XXXX XXXX.
Product: Vehicle loan or lease

I have a car loan with Navy Federal and honestly forgot to reach out to the bank after my loan was approved. Navy Federal advised me that I stated that I would go to the branch to pick up the loan after listening to the calls. 
Navy Federal let the loan sit at the bank for over 3 weeks and did not contact me about the loan. They stated that it is not their policy to reach out to consumers on their loans. It seems a very bad business practice to just not contact a consumer about a loan. Life happens and sometimes a consumer can forget. 
I am very upset that the blame is all on me and that Navy Federal considers this a normal business practice.
Product: Debt collection

To whom this may Concern, I am writing in to file a formal complaint against National Credit Adjusters. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.
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 15 USC 1681 Acct name : Department Of EducationXXXX Acct XXXX XXXX Acct name : XXXX XXXXy XXXX XXXX Account XXXX XXXX Acct name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Checking or savings account

On XX/XX/21, USAA put a hold on our checking account. We have been unable to access our account since. Today is XX/XX/21. We have over {$2000.00} in that account that we need to pay bills, use for everyday living, and prepare for XXXX. We are having to go into the negative on a different account and pay multiple insufficient fund fees because we can't access our USAA account. We have called USAA every day this week and have waited 2+ hours each day trying to speak to a real person. This totals over 15 hours on hold just this week, and we still haven't spoken to someone who can resolve this for us. We have spoken to a couple of people who say they can't help but will transfer us ; then we are back on hold for multiple hours. As I write this, we are still on hold and have been waiting for over 4 hours today alone!! This situation angers us to no end as we head into XXXX and the XXXX XXXX. How are we supposed to pay for everything when we have no access to our money?? We need IMMEDIATE help to get to our money!!
Product: Credit reporting or other personal consumer reports

Equifax every other month keep removing one of my XXXX XXXX XXXX XXXX. I have XXXX XXXX XXXX XXXX  XXXX and only one is reporting. Every time this happens, Equifax blame them saying they removed it which isnt true. Why does this problem happens only on Equifax. 

Card ending in XXXX is showing. However, XXXX ending in XXXX isnt.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX account. Someone that paid me money disputed saying there was no " purchase '' and had money refunded and gave me negative XX/XX/XXXXbalance. They froze my XX/XX/XXXXand demand payment from me of about {$360.00}. They will not respond, will not allow me to close account. I assume if anyone sends me a payment by XX/XX/XXXX they will take it. I got an email that there was a dispute and they refunded money to a client who paid me to do work for her. I did everything I was supposed to do and even paid some fees for her and waived the balance of my fees because she was in financial hardship. Then she disputed the small amount she did previously pay me and got somehow XX/XX/XXXX immediately sent back to her? I knew nothing until I got email that it happened and I oweXX/XX/XXXXthe money. I still don't know what she said to get the funds back. 

Not sure if this is the correct forum but I know you regulate XX/XX/XXXXand I need to get their attention and get straightened out. I never knew something like this could happen or I would never have signed up with XX/XX/XXXXThis person still has me working on stuff for her as she was doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and XXXX  on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency XXXX failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Also in violation of 15 usc 1692e reporting false and misleading information, If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX/XXXX  XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report and saw an account that was not authorized by me. I contacted all 3 major credit bureaus via certified mail. On XX/XX/XXXX I sent a letter asking the bureau 's to provide proof of debt for XXXX Funding Account XXXX according to 15 U.S.C. 1681i ( a ) I sent certified mail tracking number XXXX I received certified receipt it was received on XX/XX/XXXX from Transunion, I sent XXXX certified mail tracking number XXXX I received return receipt on XX/XX/XXXX, ( I enclosed proof. ) The credit bureau did not respond within 30 days which is failure to comply with federal regulations by credit reporting agencies is in violation of the Fair Credit Reporting Act, and may be investigated by the FTC. It has been over 30 days since. This is damaging. I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted an online dispute with XXXX  because I received some communication that showed that I had an account in collections on my credit report. I called the collections company listed on my credit report ( Sequium Asset Solutions ) and the representative could not find any record of an account in my name in their system. I contacted the " alleged '' original creditor ( XXXX XXXX ) as well and they confirmed that there was no delinquent account in my name in their system. At that point I filed an online dispute. On XX/XX/XXXX, XXXX  sent me notification that my dispute was results were ready. Unfortunately the results stated that Sequium Asset Solutions verified that the information on my report was accurate. This can not be the case. Today, again, I contacted XXXX XXXX to again verify that I did not have a delinquent acccount in the amount of {$540.00}. This was verified. I then called Sequium Asset Solutions again. I spoke with 3 representatives. The first representative clearly could not find any account information for me, they hung up on me. The second representative could not find any account information for me either and put me on hold several times to get a supervisor. 
She then asked for a phone number for a supervisor to call me back. Hours passed and I never got a call from a supervisor. I called again and yet again, the third representative could not find any information for me either. She too kept putting me on hold with promises of getting a supervisor on the phone. Again I gave her my phone number. Again, no call from a supervisor. 

This account that has been attached to my XXXX  credit report clearly does not belong to me and Sequium Asset Solutions refuses to explain what information was sent to put this deliquent account on my report. XXXX  is telling me that the only way to get this removed is for Sequium notify them to remove it. However, based on my interactions with this company and attempts to resolve this, I suspect that it's practices may be fraudulent. I simply want this issue resolved by having this inaccurate information removed from my account and Sequium Asset Solutions is refusing to fully look into this situation, offer any information, or evaluate their own practices.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Debt collection

Im really worried that LVNV FUNDING LLC is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. LVNV FUNDING LLC has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX XXXX never granted consent to LVNV FUNDING to contact me. LVNV FUNDING has/ or purchased my private information without my consent. I never contracted with LVNV FUNDING. LVNV FUNDING is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand LVNV FUNDING to validate this alleged debt. 
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for LVNV FUNDING to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Product: Checking or savings account

I opened up a Capital One 360 account with the PLUS400 promotion code with the promise that if Ive made 2 direct deposits of {$250.00} or above in 60 days I would receive a bonus of {$400.00}. I changed my direct deposit to Capital One and have had several direct deposits that were over the {$250.00} minimum. I reached out to capital one several times about the bonus and was told that I would receive the bonus within 6-8 weeks of account open. On my last call to CO I was told I was n't eligible because I was not a " targeted '' customer. When applying for this account the criteria did NOT stipulate any such thing about being targeted. I followed the steps and requirements of this account and feel I should be awarded the promotional bonus.
Product: Debt collection

I was written a debt notice from a collection asset care for XXXX with a date of service of XX/XX/XXXX XXXX given an acc number XXXX The later is dated XXXX XXXX I just got the mail XX/XX/XXXX I have no knowledge of me ever owing any medical bills of such
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account XXXX XXXX is showin a comment of : Account in dispute under Fair Credit Billing Act In fact, the account is NOT in dispute and is active with no balance and has a {$20000.00} credit line.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

same account number XXXX for XXXX is showing 2 different amounts with same account number with 2 different dates that was supposed to be deleted from credit file
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and I have identified the following incorrect personal information that needs to be corrected : Incorrect Name : [ Attached is the list with the incorrect names ] Incorrect Address : [ XXXX XXXX XXXX XXXX Nj, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX and XXXX XXXX XXXX XXXX, NY XXXX ] Other Incorrect Information : [ The last 4 digits of my ss # shows incorrect as XXXX, please see the attached document with my ss # ] Please find attached copies of my identification documents and proof of address to verify my correct personal information. I request that you investigate these discrepancies and update my credit report accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This issue was resolved once, I have been in XXXX and prior to that any medical debts I have requested a copy of a signred authorization with my signature that I authorized this agency to bill me for this medical procedure on whoever they did it on. I supplied the credit agency all the documentation once before and it was removed due to cause. Now this debt collector has relisted it and I request they remove it from all agencies
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Violation of Rights Under 15 U.S.C. 1692g Failure to Provide Proof and Proper Investigation Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Aqua Finance Inc. , and XXXX XXXX  for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Specifically, I am requesting the Bureau 's intervention regarding the following accounts : Aqua Finance Inc. 

Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Date Updated : XX/XX/XXXX Pay Status : In Collection High Balance : {$4300.00} Credit Limit : {$4300.00} Past Due : XXXX $ XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : XXXX days ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off Balance : {$3400.00} ) Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$150.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$4800.00} Credit Limit : {$3400.00} Issue Summary : These creditors ( Aqua Finance and XXXXXXXX XXXX ) and their collection activities , including XXXX XXXXeporting, have failed to provide the requested documentation and investigations related to the above accounts, which I believe are in violation of my rights under 15 U.S.C. 1692g, specifically the failure to provide verification of the debt and proof of the debt owners right to collect it. 

I request the following : Detailed Payment History : A full, detailed list of all payments I have made toward these accounts, including dates, amounts, and transaction references. 
Contract Signature : A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the creditors and authorizes them to collect this debt from me. 
Insurance Claims : Proof that any insurance has been filed or applied to these accounts, and details of any insurance settlements if applicable. 
Proof of Chain of Title : Documentation showing the chain of title for the debt and proof that the current creditor or debt collector has the legal right to collect this debt, including assignment or transfer of the debt. 
I have made multiple attempts to request this documentation from the creditors directly, but to date, I have not received any verifiable information in accordance with my rights under the Fair Debt Collection Practices Act. Therefore, I request that the CFPB investigate this matter and assist in ensuring my rights are fully protected. 

Please confirm receipt of this complaint, and I kindly ask for updates as your investigation proceeds. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXT- XX/XX/2023 SANTANDER CONSUMER USA- XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
Product: Mortgage

I refinanced my mortgage with RP Funding in XX/XX/2021. I did get a letter in XXXX stated that my loan has been sold and RP Funding would be my servicer. I have paid my mortgage on time but I have never received any statements and I have sent XXXX letters asking for paperwork showing receipt of my mortgage payment. The worst part, my mortgage is not on my credit report.
Product: Checking or savings account

XXXX XXXX drect deposited my check on XXXX XXXX money was stolen from account Filde dispute XXXX money was returned a few days later .The same day money was returned it was stold by same person again I file a dispute once again was told a new card was sent out again it takes 7-10 days that is card number XXXX account under investigation again now it frozen a bank won't give me any info on why account was frozen and under investigation again why it's the same person that took the money the first time I was told to move my money to another bank or pre-paid card I didn't have any were to move it. A few hours later account was released before I even got a new card in hand this same lady stold my money for the 3 time now my account has been frozen again for investigation why are you holding my money now the account has been closed and im told it will take about 30 to go throw investigation and send out check .. how did this person have access to my account when I didn't have not one of the 3 cards sent to me by bank??? Here it is XXXX XXXX and I still have not received the money that had been stolen from me i have been unable to get any answer from any one at the bank... I need help to find out why this person has been given my check 3 times and I have not been allowed access to my money at all for now 3 months.???
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX. Phone number XXXX. This company has any hard Inquiry on my credit report. I never heard of the company. I called XX/XX/XXXX and spoke with XXXX. He couldn't pull up any information on the account. He tried by using my full name, social, birthday, address, phone number. He was not able to find anything in the system. I would like for this to be removed from my report please.