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

.NAVY FEDERAL CREDIT UNION DATE FRAUD BEGAN XX/XX/2017 {$13000.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Product: Mortgage

On XXXX XX/XX/year> I received an E-Mail from Loancare that my mortgage was late which was odd because I payed my mortgage earlier on XXXX XXXX 2024 via a XXXX Bank online payment. XX/XX/year> LOANCARE ONLINE PMT {$890.00}, the payment was successful. 

This is their E-Mail : Payment is Past Due Your payment on account ending in XXXX was due on XX/XX/year>. 
To avoid Late Payment Fee or a change in your credit rating, please sign into your account at https : XXXXXXXXloancareXXXX to make your payment today. 
Thank you, XXXX XXXX XXXX # XXXX This E-Mail alarmed me so I called their customer support and I was told that I owed {$91.00} because there was an increase in my Escrow payment which was new to me??? 
They also said they took my normal {$890.00} mortgage payment and they didn't apply it to my normal monthly mortgage payment and that is why I received the E-Mail. 
I have since payed the {$91.00}. 
I am not sure what these people are up too and it is stressing me out, keep in mind that I am NOT late on my mortgage payments nor have I been. 
I have been reading about this mortgage company and they seem to be a real gem and from what I have been reading online they absolutely can not be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

Opened a checking account on XX/XX/2021 and completed all requirements to receive a {$400.00} promotional bonus offer. A few days ago my account has been closed due to a XXXX  balance. This XXXX balance auto-closure is not readily available information to public and was never told to me. Coincidentally, it was right as the {$400.00} bonus was about to pay out. I called and spoke to XXXX ( supervisor of technical call center ). Account ending in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

RE ; XXXX  XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 XXXX XXXXXXXX XXXX CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent student and hardworking as I was also a victim of identity theft when my car was stolen in LA last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX & Transunion To Whom It May Concern : I recently asked you to verify the information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in Question : Bankruptcy On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX I sent you a notice that your process was not valid due to my going directly to the company XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) and either they do not report to Consumer Reporting Agencies or they are not reporting the alleged bankruptcy that you indicated in your correspondence dated XX/XX/XXXX, and the information being verified XX/XX/XXXX. Your attached correspondence shows that you replied that the alleged bankruptcy was verified via XXXX and stated that my dispute was resolved without sending me any documentation or proof of an actual investigation. 

I am aware that per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point, you have been granted that time. This is a formal notification that I plan on filing a complaint with the CFPB, and BBB against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

I have enclosed their letter for your inspection. Please delete this unverified information as you may have mixed/merged my credit file. 

The XXXX and XXXX XXXX verifying this information is not recognized as proper validation! If this information isn't removed from my consumer report immediately. My rights as a consumer indicate below. 

You are required to provide me with actual documentation of verification or... 

Remedies for Fair Credit Reporting Act Violations If any of these three types of entities ( credit reporting agency, information supplier, or user ) violates the rules in the FCRA, you might be able to sue them in state or federal court for damages. 

The FCRA lets you sue a credit reporting agency ( or another person or entity that violates the law ) for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the violation, whichever is sooner. 
Please mail me an updated copy of my report once the bankruptcy is DELETED.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report due to a data breach notice that I recieved and noticed the folling account listed on my credit report thats not mine and was not authorized by me the account listed needs to be removed XXXX
Product: Credit card or prepaid card

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Product: Credit reporting

This item was placed on my credit report as a result of identity theft. I disputed this with the company and they sent me the attached response which I have screen shotted and attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent XXXX and Experian a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus receive a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. I have updated with a document sent XXXX of XXXX reassuring that the item in question has indeed been deleted .Please process this and do not close out as a duplicate as I have presented new information supporting my claim.
Product: Money transfer, virtual currency, or money service

I have been a business customer of Wells Fargo since XXXX with multiple accounts, on Tuesday XXXX I received a letter from Wells ( attached ) and a cashiers check for erroneous fees with interest ( reimbursement for one of my wells accounts that was closed, I am still a wells business customer ) Because of the high amount of the cashiers check I called the number on the letter and on the cashiers check and they verified that it was correct. I am still a customer of wells so I went into a branch to speak to a banker about it, they contacted the wells department that issued the cashiers check and the branch manager ( XXXX, XXXX XXXX Branch ) spent 30+ minutes on the phone with the corporate office reviewing my account and they verified that the payment from wells was accurate and it was from the overdraft fee case. I asked for a reconciliation of the payment but they could not provide one but assured me it was accurate. I deposited the cashiers check into my wells business account and once the funds we released and cleared, I proceeded to make payment to creditors of mine and settlement agreements and I released the funds for those payments from my account. The following afternoon I logged into my wells account and found it was XXXX. The cashiers check from wells that cleared was removed by wells with no explanation. With my account XXXX over drawn, I contacted everyone possible and was told that the resolution department is looking into and that they believe it was a bank error and that it happened to hundreds of customers, finally a week later I received a letter in the mail with a " substitute check '' with a notation on it that said it is a legal document to be used in the same way the original cashiers check could be used. I called the automated phone number on the cashiers check and the was told that the item was reported as lost, stolen, or damaged and stopped. I did not report the item as lost stolen or damaged Finally yesterday I received a call from XXXX XXXX from Wells Fargo stating that it was an error but they will bring my account to a XXXX balance and send me a XXXX for the funds. This is appreciated but I am unable to undo the settlement agreements that I made with creditors once I was given the funds from wells Fargo via cashiers check.
Product: Debt collection

A new account that is not mine appeared on my credit report. I made contact with both credit bureau and the collection agency and nothing as been resolved. This is not my account
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XX/XX/XXXX, should be also deleted since it is seven years old. XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/>These XXXX accounts below on my Transunion are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and Transunion I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/>XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>XXXX XXXX XXXX account - Opened XX/XX/XXXX, is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called Caine & Wiener, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed and paid in full but showing as a collections account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX Equifax and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Product: Money transfer, virtual currency, or money service

Robinhood restricted my account, and after multiple attempts to contact Robinhood ( below ), I could not get a resolution. 

Timeline of the incident : XX/XX/year> - notice account is suspended contact customer service, and upload ID for verification ( XXXX XXXX ), no reason was given by the account is suspected. 
XXXX - contact customer service again, and upload another ID for verification ( driver 's license ) XXXX - contact customer service again via phone, but couldn't get through XXXX - contact customer service again via email, and was told the case was under review XXXX - contact customer service again, could not get through XXXX - contact customer service again, still no resolution, been asked to upload ID again. 

I'm skeptical Robinhood will be able to lift the false negative diagnoses, without external interventions. Researching online led me to believe many other consumers are experiencing similar issues as me. Hope the bureau can investigate and protect our rights for our own funds and balances.
Product: Consumer Loan

Mariner Finance garnished my wages without properly notifying me. XXXX XXXX XXXX and XXXX XXXX XXXX located in XXXX notified me that a Garnishment was placed on my account XXXX XXXX, 2016. I did not receive anything in writing stating they were attempting a Garnishment. I feel this is very unfair and unjust.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2021, Amounts : {$1900.00}, I was asked for {$1900.00} ( refundable secutity deposit ) to transfer a XXXX accout ( name : XXXX XXXX, email : XXXX ), This XXXX account is the person claiming to be the homeowner 's lawyer 's account, It's a fraud account, I have reported to FTC.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting or other personal consumer reports

Reported incorrect addresses names and inquiries and haven't been fixed on trans union, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I did not receive any line of credits with these companies.
Product: Vehicle loan or lease

I intend to sue this financial company and let the news media know about this. This is wrong and I am being discriminated again. I dont know who is abusing their position to steal from me and my family, God will judge them.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle through XXXX XXXX XXXX and they told me it would only be XXXX inquiry and if there were more after XXXX days it would turn into XXXX. That was not true
Product: Credit card

im having trouble with american express cards first, the decreased XXXX  card suddenly then i appealed ( XX/XX/year> ) then they said 7-10 days, then 30 days, now making me start the process over again the responsible lending department is off shore and quite dysfunctional then while i was trying to fix this card they demanded payment on another card with two days notice for {$2700.00} they sent me this notice on thursday for sunday payment XXXX these are bully tactics and they have terrible runaround useless customer service
Product: Debt collection

Ive sent several letters to these collection agencies to show me proof of accurate debt because my HIPPA rights haven been violated. I believe your company has violated several of my consumer rights. Specifically, you fail to validate a debt at my request, which is a FCRA violation and you continue to report a disputed that to the credit bureaus. Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. As you may be aware, Estoppel by silence legally means that you had a duty but to speak but failed to do so therefore, that must mean you agree with me that the debt is false. I will use the XXXX in my defense.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct XXXX.