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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting

Transunion continues to report inaccurate and outdated info on my credit report. They refuse to remove data even though I have provided proof it 's incorrect. After them denying me and me coming back several times with different evidence, forcing them to update my report and even though they have continually victimized me, they continue to make it as hard as possible for me to get my report updated to accurately reflect my information. They following data is inaccurate and should be removed! Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - They have my current address and it 's apartment XXXX! - Employer Name XXXX - I have never worked here - XXXX XXXX - It 's not mine AND it 's more than 7 years old! XXXX - I never authorized or opened this account. XXXX - I never opened authorized or used this account. The following inquiries are fraudulent and NOT the result of fair use - XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX. PLEASE stop ruining my life and reporting this inaccurate data! Transunion is very sloppy in their verification process. They have previously marked info " verified '' on numerous occasions and I came back with letters from the company saying the data did not belong to me. PLEASE make them do better.
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 recent CFPB findings against Navy Federal or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the home buying process is when we realized there was numerous false student loan accounts open under my name, and it seems to have stemmed from when XXXX did the switchover to XXXX. It looks like they copied my loan balances and never deleted them so now it shows as me owing around double than what I actually owe. Ive contacted XXXX myself several times and they dont show any accounts open with those balances - I only have 8 accounts open and the balances total exactly what they are supposed to on their end. I followed up with a call accompanied by xactus to help me with the process AGAIN, and they again told us these accounts did not exist. Ive tried to dispute these now multiple times through all 3 of the credit bureaus, some have been successful, others have not. Experian has now deleted the accounts, however theyve added the loan amounts from those deleted ones to my active ones, also still false reporting. Its getting super frustrating trying to buy a home and not having any information on my report be accurate. Could someone PLEASE address this extremely important issue as soon as possible? Oh and not to mention that XXXX false addresses listed under my account that Ive never seen or been associated with in my life- oh AND the multiple other phone numbers Ive never seen. Can we have some security here?
Product: Mortgage

My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I cancelled a flight with XXXX XXXX through American Express XXXX. I was issued a credit in the amount of {$1300.00} and told I needed to use the credit by XXXX of XXXX. On XX/XX/XXXX I booked a round trip flight for 2 adults ( my son and daughter-in-law ) in the amount of {$1800.00} for XX/XX/XXXX- XX/XX/XXXX. I received a receipt, an itinerary and confirmation of the booked flight. On XX/XX/XXXX my son attempted to check-in only to find that the flight was cancelled. After approximately 2 hours and 4 people later I am informed that the flight was cancelled on XX/XX/XXXX. I was not notified by XXXX XXXX or American Express XXXX that the flight had been cancelled and no one seems to know why other than it wasn't " ticketed '' by someone somewhere. In summary, after 5 hours on the phone and 8 transfers later, American Express has opened an investigation to determine if they will give me a credit on my credit card in the amount of {$1300.00}. An agent is going to call me within XXXX hours regarding case # XXXX. I told them they could book another flight with another airline so my son and daughter-in-law could attend the event this weekend, however they declined. It is not acceptable that I followed all of the instructions and planned ahead only to be told " we're sorry '' or " I completely understand '' and " there will be an investigation ''. One time events such as weddings or funerals can't be recreated because the credit card company is " sorry ''.
Product: Vehicle loan or lease

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 

XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF EDXXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe what I saw on my credit report.. It says late 30 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Product: Credit reporting

XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate reporting of several accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these inaccuracies directly with the credit reporting bureaus, the situation has not been rectified. 

Details of Inaccuracies : XXXXXXXX XXXX XXXX Account No : XXXX This account has been inaccurately reported as a charge-off with late payments that did not occur. Despite multiple disputes, the credit bureaus have failed to correct or delete the erroneous information. 
XXXX XXXX XXXX Account No : XXXX This account has inaccurate reporting of late payments and incorrect account statuses. These errors have persisted on my credit report, despite efforts to dispute them. 
XXXX XXXX XXXX Account No : XXXX The reporting of this account includes a collection status that is inaccurate. These entries have been challenged but remain unresolved. 
These inaccuracies are in direct violation of the FCRA, specifically : Section 609 ( a ) which ensures consumers ' right to accurate reporting.

Section 611 which requires credit bureaus to conduct reasonable investigations when disputes are raised.

Section 623 which holds furnishers of information accountable for providing accurate data to the credit reporting agencies. 
Efforts to Resolve the Matter : I have contacted the credit bureaus and the original creditors on multiple occasions to correct these inaccuracies. Despite submitting formal disputes, the credit reporting agencies have either failed to investigate properly or have not corrected the information. This has caused significant damage to my credit profile. 

Requested Resolution : I am seeking the immediate deletion of the inaccurate information from my credit report. I request the Consumer Financial Protection Bureau to take appropriate action and ensure that the reporting agencies and creditors comply with the FCRA. 

Attached are copies of : My dispute letters to the credit bureaus.

Credit reports showing the inaccurate information. 
Sworn affidavits outlining the inaccuracies and violations. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX TransUnion Subject : Request for Removal of Fraudulent Inquiries from My Credit Report Dear TranUnion, I am writing to formally request the removal of fraudulent inquiries from my credit report. I recently reviewed my credit report and identified inquiries that I did not authorize. These inquiries are the result of fraudulent activity, and I would like them to be removed immediately to ensure the accuracy of my credit report. 

The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccuracies on my credit report. I kindly request that you investigate these inquiries and remove them as they are not authorized by me. 

Please confirm in writing when the fraudulent inquiries have been removed or if you require additional information to proceed with the investigation. You can reach me at XXXX if needed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution. 

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

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX Bank # XXXX reporting paid as agreed, but showing XXXX 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX XXXX  # XXXX, has violated my rights. 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Mortgage

Violation of Appraiser Independence - TILA XXXX Real estate agent and mortgage lender attempted to influence the appraisal selection process of the VA. 
On or about... 
XX/XX/2022 : recevied order from VA. 
XX/XX/2022 : emailed listing agent for access/appointment to see property. 
XX/XX/2022 : email sent from loan officer to the VA indicating they received an addendum not allowing me ( Certified Res. Appraiser ) on the property to be appraised. Addendum was forwared to VA. Loan officer requested a reassignment to another appraiser. 
XX/XX/2022 : VA refused the request. 
XX/XX/2022 : filed a complaint with WA DOL Real Estate Section. 
XX/XX/2022 : WA DOL will not investigate further.

Attached : -PDF of VA communications portal showing copy/paste of email from loan officer and VA.

-PDF of Loan officer licensing/contact info.

-PDF of Real Estate Agent licensing/contacXXXX info.
Product: Prepaid card

I called American Express to inquire on how I could get a gift card to give to my son to use on his XXXX trip. He was leaving the next afternoon. I was told to go to any number of retailers and purchase a " serve '' card. I went to the bank and got {$300.00} cash and purchased the card for XXXX. plus a service fee. Later that evening I was told by American Express that the card could not be used internationally until I got my permanent card in seven to ten days. I would not have spent money and gone to the time and trouble to get the card if I had been told the right information at first. 
Then I was told to register the temporary card and I could set up a pin and get my money form a aM machine. That also did not work. Today, 7 days later I received my permanent card. I called in to activate it. Next I was asked how I was going to put money on it. I inquired about the XXXX XXXX that I had already given them. I was told that I must not have entered the temporary card information and that my XXXX was still floating around in American Express 's pocket and I had no way to get to it STILL. I asked for a supervisor and got a condesending person named XXXX in the XXXX. He would not listen to anything I was saying and told me it was all my fault. Now he had me re-register the temporary card in MY WIFE '' S name and set up another pin. I told him I had done all thisin my own name when I first ordered the permanent card. He told me I did not. All he did was argue with me and talk over me. I then asked for his supervisor and he refused to let me speak to one. His name was XXXX and that was all he would tell me. If finally told him what I thought of his condescending attitude. Results are in. I have wasted a lot of time and tied up XXXX XXXX dollars, my son left on his trip without the money I had promised him, I am out the fee for the card and whatever the atm charge might be even if I am lucky enough that this scheme of putting it in my wifes name works to retrieve what is left on my {$300.00}. All the while American Express had had my money, charged me a fee for a worthless card that was sold to me on false pretenses. I have an XXXX, own XXXX and am very astute with computers. If this is what happened to me, imagine what would happen to a less experienced consumer. I highly suggest that you look into this American Express " Serve card Scheme. I await your response
Product: Money transfer, virtual currency, or money service

Today XX/XX/2019, I was given a check from the company I work for. The company banks with Chase bank. I proceeded to cash the check with an amount just under {$6000.00}. I walked into a chase branch and was told the check could not be cashed because it is over {$2500.00}. Because I am not a Chase account holder I should not be required to open an accoint or deposit the check elsewhere in order to obtain the funds represented on the check. I find it predatory that I would be required to do so.
Product: Credit reporting or other personal consumer reports

XXXX  In accordance with the Fair Credit Reporting act XXXX Account name, XXXX XXXX XXXX has violated my rights. 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.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023, I reached out to CashApp regarding the reply that was sent to my bank XXXX XXXX regarding a dispute I submitted. On or about XX/XX/2023, I attempted to purchase a puppy on XXXX but was scammed out of approximately {$1300.00} via CashApp and {$850.00} via XXXX, my funds were intercepted by XXXX and the funds were returned. CashApp chose not to return my funds. My issue is the response that CashApp sent to XXXX XXXX regarding the dispute. CashApp stated that We have strong reason to believe that the cardholder fully authorized this transaction and is falsely disputing this transaction as 'fraudulent ' based on the following customer Information : .. As I stated in my response to CashApp and the supporting documentation ( attached ). I never stated that the transaction was fraudulent, from the very beginning I stated that I was scammed. 

On XX/XX/2023, I was informed by CashApp that the transactions would be investigated and I would receive a response. As of today, I have not received a response regarding the scammer 's accounts. These individuals continue to scam unsuspecting individuals on XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX ) and CashApp has failed to shut down the scammers accounts. I have the supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my XXXX   Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my Equifax Report. A total of NINE hard inquiries that were without my consent
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase from " XXXX ''. The company 's website clearly indicated that the item would be shipped within 5 days. However, I reached out for a status update on XX/XX/XXXX, via email and XXXX ( per website contact method ) and by email again, on the XXXX, but never received a return response. 

Also, the product that I received, appeared to have been used. Upon arrival, all four corners of the box were mashed in and deeply scratched beyond the surface and deep scarring appeared along the edges of the box as well. There were multiple layers of packaging tape, that had turned yellow, which indicates age & that the box had possibly been re-sealed due to multiple returns. I understand that mild damage is to be expected during shipping but the type of damage described is indicative of extensive wear & tear, over a period of time, not from a one time transaction. The item that I purchased was for an inflatable life raft. So, for obvious reasons, I am not comfortable in accepting a second hand product in which safety checks have not been conducted, directly by the manufacturer, resulting in potentially fatal consequences for myself and my family. 

I tried twice, to resolve this issue with my credit card company by submitting complete and detailed documentation to support the dispute that I'd filed. The merchant responded to the dispute by forwarding a copy of the transaction and other random, meaningless pages that did not address the issues of my complaint. Afterwards, I received a letter from my credit card company stating that I did not furnish sufficient information to support my dispute, therefore, my case was being closed and I was advised to circle back to the merchant for further resolution.
Product: Credit card

We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by XXXX XXXX.
Product: Debt collection

According to Fair Debt Collection Practices act [ 15 USC 1692 et seq ] to verify debt with " wet-ink signature signed '' Also 15 USC 1666B , a credit agency should not treat a payment on account ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) under an open and consumer plan as late payment for any purpose. 

Experian Credit Bureau has violated my privacy by not verifying debt with " wet-ink signature signed '' And also reporting a late payment on my credit report. Please see attached.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.