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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX and TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigations. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputed information in a consumer 's credit file. This law gives consumers the power to challenge inaccurate information on their credit reports. XXXX, XXXX, and XXXX XXXX actions may also contravene the Consumer Financial Protection Act. As highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XXXX Fraudulent Inquries : XXXX  XXXX/XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX  Dba XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : iInquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX
Product: Debt collection

I got numerous harassing phone calls from this company so very rude threaten my credit threaten to go after money that I dont even have and never really even gave me a fair chance but just a threatening phone calls alone scared me and Im a man of integrity and Ill pay my debt one thats due but I will not except threatening phone calls and have my credit impacted by these people they couldnt even talk to me civilly very rude very intimidating
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 funde when transactions were alk lorizuo, XXXX wa sargo 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate ChexSystems Reporting by XXXX XXXX XXXX Dear Chexsystems and XXXX XXXX XXXX, I am filing a formal dispute regarding an inaccurate and unlawful negative entry reported by XXXX XXXXXXXX XXXX on my personal ChexSystems report regarding a business account. Under 15 U.S.C. 1681a ( d ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), business accounts are not consumer accounts and therefore should not be reported on my personal consumer file. 

Disputed Account Details : Bank Name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Reported For : Non-Sufficient Funds ( NSF ) Activity Date of Closure : XX/XX/2023 XXXXXXXX Number : XXXX / XXXX Original Charge-Off Amount : {$370.00} Closure Status : Unpaid ( As of XX/XX/2023 ) Violations of Federal Law : Unlawful Reporting of a Business Account Under 15 U.S.C. 1681a ( d ) ( 1 ), business accounts are not consumer accounts and should not appear on my personal ChexSystems report.

Failure to Provide Proper Verification Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information, and the bank must provide verifiable proof or remove the entry.

Failure to Properly Investigate Under 15 U.S.C. 1681s-2 ( b ), furnishers of information must conduct a proper investigation and can not re-report unverifiable or inaccurate data.

Requested Resolution : Immediate removal of this illegally reported business account from my personal ChexSystems report. 
Written confirmation of its deletion. 
Investigation into XXXX XXXX XXXX compliance with federal consumer protection laws. 

Failure to comply may result in further legal action. 

Sincerely, XXXX XXXX
Product: Debt collection

A place of harassment by the name of Monarch Recovery keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe Monarch/XXXX  XXXX XXXX ANYTHING and I am tired of the harassing calls and mail.
Product: Credit card

I am a XXXX XXXX XXXX service member. On XX/XX/XXXX I left the United States for the XXXX XXXX. On XX/XX/XXXX in the middle of the night I noticed that someone from XXXX XXXX logged into my account on XXXX  On this XXXX account my American Express credit card was saved. After noticing this unusual activity I quickly reached out to XXXX to change my password. During this time the fraudster started making ticket purchases and began trying to transfer these tickets to themselves. I noticed this a froze my American Express card and reported the fraud to American Express. Over the next few days I worked with XXXX, who refused to assist me and asked that any claim be processed with the credit card company. American Express refunded my account but said that a full review could reverse that decision. Now yesterday, American Express emailed me claiming that the fraudulent charges are rejected by the merchant and they will now debit me for the full amount. I asked for the merchants proof, and provided them a copy of my military orders to the XXXX XXXX, emails showing that someone logged into my account fraudulently, as well as the proof that multiple further purchases were attempted against my card while my card was frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, an XXXX account was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.
Product: Vehicle loan or lease

On XX/XX/XXXX I was involved in an auto mobile accident that ended up a total loss for the used XXXX XXXX XXXX loan. I was deeply injuried but I had to leave the next buisness day to arizona for a work project. I submitted all necessary statements and paperwork to the insurance same day. My insurance at the time and still is XXXX XXXX as I have full coverage and gap insurance provided through nissan for peace of mind in which I paid top dollar for, never payment missed. The insurance gave a huge run around not wanting to do the leg work to process this claim effectively and efficiently. They didnt even get out to XXXX, fl where car was transported to look at it to clarify it a total loss till aftet a month. Finally they reported a total loss to nissan but nissan still needed paperwork and to be paid so they could clear my payments. I had to do all the faxing, preparing, and paperwork for both companies speaking hours at a time daily just to get these companies to process the gap so nissan would stop billing me. The same company nissan and location as of XX/XX/XXXX put me in a new XXXX XXXX XXXX and payments were higher because gap insurance still didnt clear off my credit even though it was being processed and bills paid on time and in compliance followed. They have reported my debt to credit charging my gap insurance paid never missed a payment XX/XX/XXXX loan for the amount of XXXX charging me from XX/XX/XXXX through XX/XX/XXXX of me not having the car and both companies in communication. I pay top dollar and bought several vehicles through nissan and have a huge family account there. I need someone to help clear this off, its not valid
Product: Credit card

This is concerning reports showing on credit profile showing of late payments on my credit report from First Progress Card account beginning in XXXX when I never received notice of a due date. I am disputing the late payments on my credit card account for the months of XXXX, XXXX, and XXXX of the year 2023. I believe these charges are unfair because I never received a notice of due date within 21 days before the due date, as required by Section 1666b.

I request that you provide proof that you sent me a notice of due date for these months. Please provide a copy of the notice, a record of mailing or delivery, or any other documentation showing that the notice was sent.

If you are unable to provide this proof, I request that you remove the late payments for these months. I have been a responsible customer and have made
my payments on time. I believe it is unfair to penalize me for your company 's failure to provide proper notice.

Please investigate this matter and take corrective action as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$390000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm already tired with Experian, they are discriminating against me with my credit report at XXXX XXXX late and everyone in another credit company is deleted but they can't delete these accounts I don't know why I feel frustrated and intimidated by them I can't get new credit because of my fault of experience
Product: Debt collection

MIDLAND CREDIT MANAGEMENT , INC ( MCM ) has continued to defame my character, causing mental and physical anguish including but not limited to, stress, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  adverse action from lenders including the credit unions I bank with. I have no contract nor have I ever signed a contract with MIDLAND CREDIT MANAGEMENT , INC ( MCM ) for ANY debt, and sending me a copy of an alleged credit card statement from an alleged creditor does not constitute as an alleged original contract between me and the alleged creditors. The alleged creditors do not give debt buyers the authority to go after consumers for the alleged debts, and also in a lot of situations the alleged creditors can not verify the accuracy of the information that is being purchased. MIDLAND CREDIT MANAGEMENT , INC ( MCM ) has violated several FDCPA rules as follows ( SEE ATTACHED EXHIBITS ) : 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692b ( 2 ) 15 USC 1692j ( a ) 15 USC 1692d ( 1 ) 15 USC 1692e ( 2 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I received my credit report to find that XXXX  put something on my report that was NOT authorized by me, they did not have my written consent.
Product: Consumer Loan

I filed for bankruptcy, gave them my attorney 's information but they still call me 4-6 times a day.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

After filing multiple requests ( see below ) and providing multiple receipts and proof documents ( often for the same documents ) I am now provided a check in the amount of {$120.00} ( which I am holding in lieu of final settlement ) against a total claim of {$380.00}. No explanation has been provided by Card Benefit Services as to how the check amount was arrived at nor which amounts of the claim have been denied, if any, nor the reasons for any denial. 
Earlier CFPB complaint filings : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration with the persistent presence of fraudulent items on my credit report, despite numerous attempts to rectify the situation through your dispute process. 

I have previously submitted multiple dispute requests, along with supporting documentation and evidence, in an effort to have these fraudulent items removed from my credit report. However, despite my continued efforts, the inaccuracies persist, negatively impacting my creditworthiness and financial well-being. 

I understand the importance of accurate credit reporting and have diligently followed the established procedures to address this issue. The ongoing challenges in having these fraudulent items rectified are not only distressing but also a hindrance to my ability to access fair financial opportunities. 

I kindly request the following actions be taken promptly : Conduct a thorough and expedited investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite previous disputes. 
Take immediate corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Provide written confirmation of the resolution, including the expected timeframe for completion. 
Given the urgency and the prolonged nature of this issue, I expect this matter to be resolved within the exact timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They call daily at least 5 times from various numbers at all times of the day. They also automatically enrolled me in payment alerts via email. I 'm aware I owe them money calling non-stop wo n't make it appear in my bank account. Maybe they should focus on the customers they defrauded instead of wasting my time and theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calling my work phone from a debt that was charged off in XXXX. It is now XXXX. Repeatedly calling my cell phone and work phone from several local area codes
Product: Debt collection

Called Medicredit  collections because I noticed a collection on my credit report. During the verification process I noticed they had a very old address for me on the file. I asked them if they can update my new address. I informed the representative that I never received a letter or a bill for this account, otherwise I would pay it or dispute it. Since I never had the chance to dispute or pay before the account reflects on my credit report I asked for a deletion of the trade line on my credit report. The representative told me she was not authorized to do it but will have a supervisor calling me back, I never got the supervisor call. A few days alter called and requested to speak with a supervisor, since it was not a supervisor available to take the call they promise me to have one calling back. Mr. XXXX, a supervisor, called the same day, I informed him the situation that I was in the position to pay bill, but since I never got a letter or bill from his office I was asking for the deletion of the trade line on my report. He won't to approve the removal just because they have the account in their office since XXXX, but later he claimed the date of service was on XXXX, but anyways they had the bill in their office with a wrong contact information, so they couldn't reach me or inform about this bill. 
Since this bill is very old and the supervisor couldn't provide accurate or at least stable information of the bill and since I do not remember the medical service, I asked for an itemized statement in the mail to verify this is a medical bill belongs to me. A few days later I received a letter from Medicredit to inform me the bill was placed on office and with at date of service XX/XX/XXXX, this confirm Mr XXXX was wrong when he claimed the bill was placed in his office in XXXX. I received a notice from the collection agency but I didn't received the itemized statement that I requested in first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureausXXXX XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma said i was Pre-approved for loan with XXXX XXXX on XX/XX/XXXX, XXXX just to get denied and now i have a hard inquiry on my credit and my score dropped also.
Product: Credit reporting

I have contacted the collection agency XXXX XXXX XXXX a few times over the course of 4 yrs. The debt in question owed to XXXX XXXX XXXX for {$110.00} was paid twice. When I saw this on my credit report I paid it right away to XXXX XXXX at XXXX XXXX. I contacted XXXX to let them know and was assured they would take care of it. For 2 yrs, still on there, I then file a dispute request and received no answer. I did however receive a refund check from XXXX XXXX for the double payment of the {$110.00}. I sent a copy of the stub and letter to XXXX only to see this still remains on every credit report possible. Resulting in a poor rating towards my credit character.
Product: Debt collection

I was XXXX  by one of the representatives on their behalf. He said he would XXXXXXXX XXXX XXXX XXXX  and XXXX  me every chance he gets. Which the conversation is recorded so the evidence is there. This needs to be removed or my XXXX XXXX will get involved due to the XXXX  I received. This needs to be removed immediately from my account and this falls under the fcra says this falls under that ruling.