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

I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX veteran living on XXXX XXXX. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI XXXX XXXX XXXX ACCOUNT NAME - ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Ive asked for the bureau to remove the following accounts from my credit report. 

I am writing to inform your company that the following items are to be removed immediately : XXXX XXXX XXXX XXXX XXXX [ {$3900.00} ] The company claims and attempts to collect on a debt that is not legally binded to be collected. This company lacks state registration to collect on debts located in the state of XXXX  and are being summoned for a court appearance in XXXX XXXX for such fraudulent activity. 
The original creditor ( XXXX XXXX  XXXX ) is dissolved and permanently closed. 

XXXX XXXX XXXX XXXX XXXX [ {$300.00} ] The company claims and attempts to collect on a debt without proper state registration to collect on debts located in the state of XXXX.
Product: Debt collection

There is a creditor on my bureau that has refused to remove derogatory information at my written request a whopping " three times ''. I do not have any knowledge of this business XXXX XXXX as it 's described on my bureau nor the third party agency refusing to remove the information from my report noted as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

This company has not produced anything in writing with my signature at my written request and has not responded by mail or otherwise to give proof I owe this debt, what it is for, where it originated from or any other information. I demand this derogatory information be removed from my report as they have not provided any sufficient information to validate this debt belongs to me. its reporting {$240.00} XXXX XXXX, 2015. I do not owe this amount, have no idea what this is for and have never heard of this business. I would like this information removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I would like to state that I receive an adverse action letter from Capital One stating that they had denied me for a auto loan. I would like to state pursuant to 15 USC 1691 adverse action states that I can only be denied for employment or insurance. I would like to state that Capital One has violated me by denying my right to credit.
Product: Checking or savings account

lam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXXefferson Capital have been sending me letters stating I owe a debt that I do not owe. I have no binding contract with their company. I have never done business with Jefferson Capital. I have sent them letters asking that they validate the debt and instead they continue to send me letters giving me payment options to settle a debt that is not mine. This negative account is reporting on my consumer credit report tarnishing my reputation and its becoming depressing/stressful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : TransUnion, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

I ordered a copy of my report in XXXX XXXX XXXXnd I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I was XXXX  from year XXXX - XXXX. I have never applied nor received any stimulus, PPP LOAN, filed taxes, or applied for credit. However my credit report reflects otherwise. Its UNLAWFUL. I have filed report after report with no response from anyone.
Product: Student loan

[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Nelnet XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Reverse Interest Accrual and Adjust Forbearance Status Dear Nelnet, I am writing to address an issue regarding my loan account and the borrower defense application I submitted in XXXX. Specifically, I want to clarify that I intentionally opted out of borrower defense forbearance when I completed my application. Despite this, my account has recently begun accruing interest, which I believe is in error. 

When submitting my borrower defense application, I made it clear that I did not want to be placed in borrower defense forbearance, as I preferred to remain on the XXXX ( Saving on a Valuable Education ) plan for forbearance purposes. I noticed that interest on my loans only began accruing recently, not at the time of my application. This indicates a discrepancy that needs to be corrected. 

I kindly request that you : XXXX. Reverse all interest accrued on my loans since the time of my application in 2023. 
XXXX. Ensure that my loans are no longer placed under borrower defense forbearance. 
XXXX. Confirm that my loans are instead aligned with the XXXX plan forbearance, as per my original request. 

Please provide written confirmation once these corrections have been Thank you for your attention to this issue. I look forward to your resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

It started with XXXX XXXX. I wasn't aware that I owed a balance of {$120.00}. I relocated. When I first got a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX I paid it off with no complaints. Months later I received another collection letter from the same account but from XXXX XXXX for the same amount. I mailed them and faxed proof of my paid in full documents. This continued on from multiple collection agencies ( XXXX XXXX XXXX, and XXXX XXXX  XXXX ) Recently on XX/XX/2021 I got another letter from Jefferson Capital Systems LLC. I sent them also the proof of paid in full. Jefferson Capital Systems continues to send me another threatening collection bill on XXXX XXXX. I dont know what to do. Please help me put an end to this issue. Thank you for your time.
Product: Debt collection

I received a collection alert on XXXX for {$970.00} for 1 month term from Wakefield and associates. I have never opened this account neither received any funds from this. The original creditor is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section XXXX XXXX XXXX specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 
Under XXXX XXXX XXXX, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Payday loan, title loan, or personal loan

Net Credit - Date opened : XX/XX/2022 Amount : {$1000.00} | XXXX {$1800.00}. 

this account was opened as a fraudulent. I don't have any access to this account. Around the time it was open I lost my purse and all my credentials were in there even my phone. Which I didn't have a passcode due to the screen being broke and half the screen was working. I talked to the company they didn't believe me. Also my other credit cards is maxed out because they used them too since my state id was in there also. This becoming a hassle to me because I get phone calls every day from the company trying to explain but they keep saying all this information is actual.
Product: Debt collection

I've previously attempted to settle the matter with this company several times but they continue to ignored my requests and are in dishonor. The company received a Notice and Demand to Validate Debt Claim on XXXX XX/XX/2020, according to the tracking info on the Notice. As of XXXX XX/XX/2020, no response has been received and the company is well over the 30 days provided in the Notice and Demand to Validate the Debt. Carmax responded to the previous complaint to the CFPB on XX/XX/2020 where they allege their " records do not reflect receipt XXXX a debt validation request from Ms XXXX prior to her complaint '' which is false and misleading because the USPS tracking number shows that the document was delivered on XX/XX/2020.
Product: Debt collection

Lost job during Pandemic and XXXX XXXX issued a State of Emergency. Applied for Unemployment and did not receive any  payments until the end of the month. I have a Judgement that I have paid religiously since XXXX every month for XXXX dollars. Since my money was reduced drastically, I still continued to pay at least XXXX dollars a month, just to keep going and just not pay. I finally get a chance to get mail today and the XXXX County District Court placed a judgement on me. Instead of the XXXX a month, they now want all their money, and I am unemployed. I tried to work it out but they both refereed me to each other and would not make any attempts to discuss alternatives. This is illegal during the State of Emergency and should be exposed to other hard working  Americans that want to work. I am officially filling an Appeal in hopes that this can be reversed. 

I have all necessary communications from XXXX XXXX concerning this exact topic and its predatory debt collectors. Posted by Governor XXXX XXXX on XX/XX/XXXX, " Financial institutions will have expanded lending authority and debt collection activities will be suspended. '' This is illegal and will be presented to the Governor of Md concerning this predatory practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email stating that my identity report did not meet the guidelines established by FCRA because i didn't file with law enforcement. Reporting to law enforcement is to in the FCRA so this should not be the reason. I reported to the FTC which was encourage by law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023, I submitted dispute letters to XXXX, XXXX, and TransUnion regarding inaccurate information on my credit report. Despite my submission, XXXX, XXXX, and TransUnion has not adhered to the requirements of the FCRA in their handling of my dispute. I'm reaching out to you today because I'm really upset with XXXX, XXXX, and TransUnion - the three main credit reporting agencies. The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on the dates above. 

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Product: Debt collection

Contacted Collectors several times .They have never validated he debt .But continue to report it on my credit report. 
FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 f ( 8 ) Any language or symbol on the envelope that indicates the communication concerns debt collection 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 3 ) Must state Right to Dispute within 30 Days 1692 g ( B ) Collector must cease collection efforts until debt is validated FCRA violations : Re-aging the debt, reporting re-aged date of last delinquency.

Letter is attached with a image of account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the major credit reporting agencies give me an excellent credit score well above 800. Yet, ChexSystems has reported my score as XXXX. This score has slandered me, characterizing me as a credit risk, and causing banks to deny my application for accounts. 

I spoke with representatives of ChexSystems and they indicated that the two reasons for their scoring was as follows : 1. The recent number of new accounts that I have applied for ; and 2. The fact that some banks making an inquiry had no prior history with me. 

Dealing with the second reason first, it should be noted that all of the banks that made an inquiry were banks that applied as a new customer for my initial account. Of course those banks have no history with me, that's why I am a " new '' customer. I explained that to a ChexSystems representative and he acknowledged that it would be silly to damage my credit rating because a bank inquires about a new customer that it has no prior relationship with. 

As mentioned, ChexSystems also downgraded my credit score because I recently applied for a few new accounts. In todays financial environment, that is a serious problem with widespread consequences. I, like many other people, am struggling to keep up with rising costs and expenses. The simplest way to alleviate the effects of inflation is to invest any available funds at the highest interest available. Interest rates are rising quickly and banks are competing for customers. That gives consumers like myself the opportunity to open new accounts, establish new banking relationships, and take advantage of higher interest rates. 

And that is exactly what I did. I opened several new accounts to take advantage of the higher interest rates being offered. I explained this to ChexSystems. I told them that my score with the other credit agencies like XXXX was well above XXXX. I have no debt. All my credit cards are current. I never bounced a check. I never closed a bank account with a debit balance. ChexSystems replied that the number of new accounts, when plugged into their credit scoring algorithm, gave rise to a score of XXXX. That score connotes that I am a credit risk and is slanderous to my credit profile. 

I want ChexSystems to change their scoring so as to accurately reflect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.
Product: Vehicle loan or lease

I have a car loan with Kia Finance for a car I bought new in XXXX XXXX, FL. I have made every payment and, about 2 weeks ago, I requested and received the payoff amount from them and used their site to transfer that amount from a bank in Virginia to my account at Kia Finance. However, in checking my online account since then I can not see any evidence the loan has been closed, my payment history does not reflect the payoff, and the bank says they have received no transfer request from Kia. 

I have emailed them from their web site asking about this a total of 3 times. While I received automated acknowledgement emails back with a promise I would hear from a rep in a couple of days, that has never happened. 
Today I called their customer service line during their stated business hours. After going through multiple automated menus and hearing the same account information that I saw on their web site ( without reflecting the payoff ), I selected the option for " other issues. '' An automated voice said, " A representative will be with you shortly. This call may be monitored for ... '' Then, the same voice said, " We are not available right now. Call back some other time. '' The same thing happened when I called their Collections line.

I called a third time and instead of choosing an option I pressed 0. This time the voice simply said, " Good-bye. '' I must ascertain the status of the loan before I try and transfer this amount again. But how can I do that if I can't get Kia Finance to  communicate?