23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

To whom this may concern, Im writing this complaint about navy federal credit union, I went to navy federal credit union in the month of XX/XX/XXXX to open a checking 'S and saving 's account with the financial institute at my local branch in XXXX sc, I was counseled by one of there customer service rep 's, he took my deposit only to come back to me saying an account was opened in my name in the year of XX/XX/XXXX, I then told the representative that I had no knowledge of an account being opened with them through me, he said that there was an outstanding {$500.00} balance on that account and then told me that he was unable to grant me membership at the time until it was cleared up, we both discussed that it was fraudulenty opened in my name at the time and was never done by me myself, he then stated that it was nothing he could do because of the time frame the account was opened, this is an unverified fraudulent acct and is making it hard for me to enjoy membership benefits with the financial institution, I called ( navy federal ) customer service number to see if anything could be done so I could begin to access my accounts and start utilizing memberships benefits, they also to me that they could n't verify due to time frame, this matter has become a burden for me and is very discouraging for something that I did n't do, I would like this to be deleted/removed from there systems so I can start utilizing memberships benefits with the financial institution, everyone with their company just keeps giving me the running around, Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$5000.00}
Product: Vehicle loan or lease

Honda towed my car because of late payment. However, they took away my personal property as well as license plate left in the car which cost more than 500 . And they refuse to return my property or answer my phone call.
Product: Debt collection

A bill collector for XXXX Called Diversified Adjustment service , INC . Located at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. Without warning or proof of this debt being mine posted this debt on my credit report. When I called them on XX/XX/XXXX, to investigate this company and why their Name was on my credit report. The person said that this was my debt from XXXX XXXX company from XXXX to XXXX. I informed them that I settled this account and to take it off. The person said it would remain there until the debt was settled. I do not have proof of this settled account because I can't find it. It's been a few years since I paid this bill, and I don't have my receipt. But my point is that they didn't even send me ANY BILLS or give me any warning or proved I owed this money before they put this on my credit report. I had no chance to dispute this debt before they reported it and lowered/damaged my credit report. I've worked hard at fixing my credit and they are damaging my credit with this unproven debt. I sent them an Email to remove it and it's been 5 months and they have not removed it. I disputed it on XXXX and XXXX XXXX and it has not been removed. Can you please help me get it removed? I settled this account back in XXXX. Thank you, kindly XXXX XXXX
Product: Mortgage

I 'm XXXX years old and I 'm scheduled to be foreclosed on XXXX XXXX. CIT Bank ( Financial Freedom ) has a reverse mortgage on my property. When I made this arrangement, it was with the intention that I would be able remain at my house for the rest of my life. I hve reached out ( or family has done so ) to come to a resolution whereby I can begin paying what CIT claims I owe in property taxes and thus avoid an unnecessary foreclosure. I have only Social Security, so losing my house would quite a challenge for me. I feel that I have not been offered or allowed to make an offer to help me remain in my house.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit file. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. The following items should be removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year>, I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX, in the amount of {$33.00}. I have a Bank of America bank record under their website named Account balance History of XXXX debiting the amount of {$33.00}, XXXX times once on XX/XX/year>, again on XX/XX/year>, and a third time on XX/XX/year> with no refunded money back into this same Bank of America XXXX XXXX account as of yet. I tried to voice my concerns of not being refunded my money from the company, XXXX for non-delivery and cancellation of this item to a Bank of America customer service representative, who went by the name XXXX, over the telephone on XX/XX/year> but denied me to dispute this item.
Product: Credit card

I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.
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. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ****** XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX  Acct # 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 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

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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please adjust my credit report by promptly removing the public record currently displayed. I have provided the necessary documents to support my request, and I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX on XX/XX/19. They had hard inquiries placed on my report repeatedly without my consent..The first was XXXX XXXX XXXX   XXXX  and the other was Santander Consumer USA.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to be the result of a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including my signature or electronic signature, to support these claims. This letter is being submitted directly by me, not through a third party, so I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ], which regulates the permissible purposes for accessing consumer reports. 

I have already reached out to the companies involved and confirmed that these actions were taken without proper validation or the necessary proof. As such, these accounts and inquiries are inaccurate and result from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting, credit repair services, 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 removed : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I feel harassed by the Capital One credit card division. In the last 30 days I have received two emails form Capital One stating as below ( in quotes, italicized ) : " Our fraud defenses flagged one or more purchase ( s ) below as unusual for your VISA SIGNATURE card ending in XXXX. Do you or an authorized user recognize these purchases? If we 've already spoken about this, you can ignore this email. 

Some things to consider when reviewing your purchases : If a dollar amount differs from your record, it could be a pre-authorization. For example, many gas stations pre-authorize an amount ( usually between $ XXXX- {$75.00} ) because they do n't know how much gas you 'll pump. 
If a purchase is legitimate but you want to cancel it, you have to contact the merchant directly '' Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX, XXXX XXXX XXXX {$20.00} XXXX XXXX, XXXX XXXX XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$21.00} Email XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX, XXXX XXXX {$26.00} XXXX XXXX, XXXX XXXX XXXX # XXXX {$13.00} XXXX XXXX, XXXX XXXX # XXXX {$84.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$50.00} In my opinion, there is nothing unusual or suspicious about the listed transactions, as these are recurring payments ( such as XXXX or XXXX ) or purchases in the XXXX miles radius from the place where I live. My FICO credit score is above XXXX. I had paid in full the card balance listed in each statement since the commencement of the card, so I assume that is a reason that for Capital One may label me as a " bad customer '' who can not be charged late fees and interest. I have over XXXX reward points for my purchases on my Capital One credit card. 
In my opinion, Capital One is making consolidated efforts to take away these reward points by discouraging me from normal use of my credit card. On XXXX XXXX, XXXX I had spoken twice with Capital One Customer Service supervisors asking why I am getting cited emails and which transactions are suspicious. Last conversation was with XXXX, ID # XXXX. Neither supervisor was able to explain why I am getting emails, and which transaction triggers it. However, they confirmed that my credit card might be suspended if I do not validate transactions listed in the email. In both conversations my request for a written explanation was denied. Agents of Capital One also denied fixing an issue and any written assurance that Capital One will make any necessary steps to avoid closing accounts and sending emails for non-specified reasons. 
I am finding the actions of Capital One as a consistent and elevated effort to violate card agreement by the discouragement of customers like me to use their accounts and gain rewards that are part of the agreement, or to further to take away reward points. 
In summary, I am asking The Bureau of Consumer Financial Protection to record my complaint and possibly check if Capital One 's practices fall into standards of the banking industry.
Product: Debt collection

I entered a consumer credit transaction with DISCOVER BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DISCOVER BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. DISCOVER BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Student loan

I attended XXXX XXXX XXXX University XXXX XXXX and owe about {$110000.00} in private student loans. I am not able to make the payment of over $ 4,000/month because I am not working in my field XXXX. I am also experiencing a financial hardship XXXX loss of job ). I am not able to make these payments and do not want to default and ruin my worked-for credit score!! What do I do help? Navient is impossible to deal with and they wo n't help me at all. Can I lower my payments?? Can I postpone them until I am working again?
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA regarding consumer laws the three credit bureaus are only to report accurate information on all my reports.

The following information has been published without my written consent to do so, 15 USC 1681 the consumer has the right to prohibit information from being reported or sold in connection to any alleged credit or consumer transaction. 

The accounts I have not given consent to be published on my account are listed as follows : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with XXXX  credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company First Help Financial. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called First Help Financial personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at XXXX  credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.
Product: Mortgage

On XXXX XXXX we received notification via mail from Ditech the company that services our mortgage that our escrow account is negative over $ 13XXXX. As you can imagine we were shocked to say the least. The escrow statement was the first XXXX we have ever received from Ditech and first notification that we were ever negative in our escrow account. We called Ditech to get answer as to why we were never notified of such an amount negatively affecting our account and the rep for Ditech advised us our escrow account has been negative since they took over our mortgage in XXXX XXXX. She continued to tell us that any negative escrow amount would 've been notified on our monthly statements. I challenged that claim and she verified that indeed it does not show on monthly statements nor does it show we were negative using Ditech 's customer web portal. I have attached a few statements and screenshots from their customer portal indicating nothing was communicated to us via mailed statements, website, phone or mail that we are negative more than XXXX in escrow until recently. In their history of statements in their web portal they have never issued escrow statement for XXXX XXXX nor when we use their customer escrow portal tool does it state we were negative. We have listed our house for sale as direct result of this issue. So how does a company expect us to pay the overage when we were never notified and the information was hidden from us?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX Opened XX/XX/2023 ( XXXX mos ) Account status Open Type -- Responsibility Individual Original creditor name XXXX Open Balance {$2800.00} The Signature Wasn't in handwriting INK on paperwork
Product: Credit reporting or other personal consumer reports

This was my follow up about my previous complaint. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance. Here are the remaining items for removal : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of XXXX  or any form of automated verification.
Product: Mortgage

My mortgage was sold to Bank of Oklahoma ( BOK ) i have made all scheduled payments. Payments are set up via autopay thru their company website. My mortgage payment was reported late on XX/XX/scrub>XXXX  to all three credit bureaus. I made two manual payments When I was notified via credit monitoring services of past due mortgage.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX and I noticed a Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX still reporting on XXXX and Equifax. On XX/XX/XXXX the bankruptcy court advised me that the court does not report, verify, or furnish information to credit bureaus or any third party. I disputed the bankruptcy to all XXXX bureaus with the attached statement from the court and it was deleted from my XXXX report effective XX/XX/XXXX but XXXX and Equifax failed to perform an investigation and delete the disputed information. If the CRAs can not validate the information with the original creditor, they must remove said information from the consumer credit file. The Bankruptcy Court has provided me a letter that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Therefore, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681i ) and the information MUST BE DELETED IMMEDIATELY.