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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX   2.  On my  XXXX   XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my XXXX and XXXX accounts. 

I called them both on XX/XX/XXXX and XX/XX/XXXX and XXXX more times. 
XXXX said they are unable to dispute and remove unauthorized inquiries on my account and instructed me to call the creditors to have them send XXXX a letter to remove the unauthorized inquiries. This is not the process in which I was able to remove unauthorized inquiries before. I spoke to other agents about 3 more times and they all did not help. 
I sent dispute letters by certified mail to the credit bureaus, delivered on XX/XX/XXXX. 
I called Bank of America on XX/XX/XXXX. The claim number is # XXXX and they said it would take 5-7 days for them to investigate and send XXXX the requested letter. Nothing. I called XXXX XXXX XXXX on XX/XX/XXXX and they said it would take 5-7 days for them to investigate as well and send XXXX the requested letter. Nothing also. 

Meanwhile, I created FTC reports for all of the creditors ( see attached ) and stated the issue about the unauthorized inquiries on my report. I mailed the information to the bureaus as they requested, with certified mail, delivered on XX/XX/XXXX. 

I called BOA and XXXX again on XX/XX/XXXX stating that I mailed in letters and FTC disputes. BOA said it's still pending. And XXXX said the accounts resolution team would email me a letter that I can send to XXXX. I received nothing. I called BOA again on XX/XX/XXXX and they didn't have an answer. I called XXXX on XX/XX/XXXX and they said they will check on the issue again ... .I have not received or heard anything from them at all. 


It's ridiculous that I have to go through these measures to get something removed off my credit profile that wasn't supposed to be there, with staff unwilling to help with any urgency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information on my consumer report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( b ) ], I request an immediate investigation into the following accounts and demand that any inaccuracies be corrected or removed. 

Disputed Accounts Child Support Enforcement Credit Reporting Agencies : XXXX, XXXX, XXXX Account Number : XXXX Account Status : Closed, Collection/Charge-Off Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Issue : The account contains incorrect and/or outdated information. Please provide verification of this debt, including original creditor documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Account Number : XXXX Account Status : Discrepancy between bureaus ( Closed vs. Open ) Balance Owed : {$6700.00} High Balance Reported : {$44000.00} Date Opened : XX/XX/XXXX Date Reported : Various Dates ( XX/XX/XXXX - XX/XX/XXXX ) Issue : Inconsistencies in reporting across bureaus. Please verify the accuracy of this information, including proof of the original contract and any updates. 
Legal Basis for Dispute XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) case establishes the necessity of accurate and concrete reporting under the FCRA. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), consumer reporting agencies must ensure that records are accurate and up to date.

I request that your agency promptly investigate and correct these discrepancies within the legally required timeframe of 30 days per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Requested Action Provide me with all relevant documentation used to verify these accounts.

If the disputed information can not be verified, remove or correct it immediately. 
Provide a written confirmation of the results of your investigation and an updated copy of my credit report. 
Please send your written response to the address provided above. I appreciate your prompt attention to this matter. Attached XXXX forms of Identification ID Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2023 Transunion, XXXX, XXXX Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction. 

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my XXXX XXXX which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the XXXX Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.
Product: Checking or savings account

I am Writing to file a complaint against Navy federal credit until 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 credit union for similar practices, where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into all of my account transactions.
Product: Credit card

I entered into a payment agreement with Navy Federal Credit Union for my charged off credit card. I have asked them for a letter stating I am in an agreement I need this for prof to show my current employer, so I don't lose my job. They said they would have to send it however they refuse to send me the letter they keep saying it will take 7 business days I been waiting for two months. I need this letter emailed sent to me.
Product: Credit card or prepaid card

Card.com closed out my account because I reported identity theft someone fraudulent took processing fees of {$2.00} like every 2mins all day long removed my funds from this prepaid account ending up with almost my entire deposit sent to this account. I contacted the account right away after viewing statement of outrageous {$2.00} & up saying these were all processing fees each time I used my card. But these processing fees were adding up to a 3rd of my deposit leaving me behind in my bills & causing me to become homeless from this terrible circumstances I was never rewarded all these outstanding deductions of processing fees. I wrote the consumer but this wasn't never investigated and they closed my account because I was dissatisfied with service. Agreement clearly stated atm fees only. They couldn't explain why all these processing fees deductions were taking almost my entire deposit from unemployment & last employment deposits were processing fees other then the card.com terms & fees would only be deducted for ATM withdrawal of {$1.00}. 
These processing fees were on all my statements of deductions of {$2.00} & more being taking out my account. Now my account is closed I can't access my prepaid statements anymore. I never was rewarded this major dispute I wanted to be investigated by the prepaid account Card.com they did nothing when this issue needed to be investigated how is anyone able to take out of my account all day like every other minute it stated processing fees even when I didn't access or touch my account for days. My refund was also sent to this prepaid account the same thing took place somehow more processing fees would be on my prepaid statements
Product: Checking or savings account

I have requested an arbitration that I was sent in the mail. I am tired of being treated like this and insulted by wells fargo. With them falsely claiming there is no evidence. When they sent me a letter stating why they closed my account. Is because XXXX XXXX falsely accused me of harassing her. I don't have to put up with anyone picking on me. I'm sick of how I am being treated by wells fargo and their lies saying there is no evidence of wrongdoing. When my checking account was wrongfully closed. They have the letter that was sent by XXXX XXXX stating that wells fargo was exercising their rights to close my account. AFTER XXXX XXXX falsely lied about me saying I harassed her at the bank. It's their goal to further enrage me! Then saying for me to stay out of wells fargo bank. I'm not asking to go to wells fargo bank. Wells fargo was already made aware of me well before I even opened a checking account. This was all a set up by XXXX XXXX and her XXXX  to get me at the bank. For her to falsely call the police to have me arrested. How do they have the gall to say there is no evidence? They had no right to treat me the way I was treated. XXXX XXXX bragged that she never gets in trouble. XXXX XXXX was not so nice in her letter to me stating all these mean things and untrue things in the letter just like how XXXX XXXX wrote. " I never harassed XXXX XXXX. With all that they have been caught doing. They are still fighting me. XXXX XXXX is the one who slandered me at wells fargo and caused me all this pain and suffering that I had to go through for no reason and still going through it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated multiple times with XXXX XXXX times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX  that is responsible for this inaccurate reporting and is XXXX XXXX. From whom they bought this mortgages servicing rights. XXXX  and only XXXX  is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXX  and XXXX XXXX  are on it.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My CURRENT and ONLY address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX '' I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Checking or savings account

Bank of America The bank agreed to refund the {$25.00} fee but did not follow through. I called back and was told that there was nothing more that they could do, due to the system. 

This is really not worth the time, but it is WRONG.
Product: Mortgage

On XX/XX/XXXX I received a notice at my home address that my rental property was in foreclosure due to non-payment. It was the first Id learned of any issue. When I called to find out what happened, they said theyd send e-correspondence which, on my end, was a stock letter similar to every other correspondence Ive received saying payment went through. No one called me, because they said my number had been marked as do not call, which Id never authorized or asked for. This was less than 3 months past due. My account was locked to make any payments. I called and spoke with a manger, who, after admitted my account should never have gone into foreclosure, advised me to wire the amount and then hed unlock the payments and begin the correction process on his end. I sent the wire immediately after that phone call, and on XXXX XXXX made the payment through my app and ensured autopay was back on. I assumed all was resolved. On XX/XX/XXXX, I checked and saw my account was locked again and XXXX payment had not been applied. I called to find out what was going on, and was advised my account was in dispute and that it was past due, but this time a payment couldnt be taken either. They said a dispute resolution had been filed over a month ago, and it went over the 30 days and they had filed an extension and had to the end of the month. My credit report reflects all of this. No one could help me, and they said they could again expedite the request. 
Now, I have a letter saying theyve reviewed it and still find me at fault so I have to pay the legal fees associated with them sending me to foreclosure, but my account will be open again to pay XXXX in the next few days. They have still not properly accounted for the XXXX payment, and Im not sure if the wire was properly applied either.
Product: Debt collection

Our Grandson ( who resides halfway across the country ) listed us as a reference when applying for something. Though we are not sure what. 
We are a elderly/XXXX couple in our XXXX. We have repeatedly informed 'Portfolio Recovery Services ' to stop calling as we no longer have contact w/ our grandson. As we were used ( without prior notification ) as references. 
The debt collectors # XXXX-have literally ignored our verbal request to discontinue calling. At this point, it has become harassment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.
Product: Mortgage

i have not paid a mortgage since 2016 and i have a buyer who is willing to do a discounted payoff with Ocwen Loan Servicing. Due to the condition of the property i am lucky to have an offer at this time. The home has significant amounts of mold inside and out. The deck has been sited by code enforcement on more than one occasion. I do not want to take the chance of losing my buyer simply because the lender and/or investor is refusing to be reasonable. I thought that the lender was supposed to assist me with foreclosure alternatives. At this time, i feels as if the investor and/or servicer is n't doing what the government says they should do to provide me with foreclosure alternatives, i feel as if they are being unreasonable, by not allowing a review of a discounted payoff. I am desperate for help, and with no other option I am reaching out to you for help.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud and had my bank account overdraft and the bank didn't fix it. Also car hop sold me a junk car with many problems and made me pay for the engine problems. I told them I couldn't pay the repair cost and added if to my debt
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I authorized XXXX to debit {$600.00} from my XXXX XXXX XXXXXXXX account to convert to XXXX guaranies ( XXXX guaranies ) and deposit in my XXXX XXXX account in XXXX. 
On XX/XX/2023 I recieved confirmation from XXXX that the funds had been sent and would be available on XX/XX/2023. 
It is now XX/XX/2023 and my money still has not been deposited into the XXXX XXXX account. 

To resolve this issue I have repeatedly emailed XXXX. Since the company claimed they are tracking the transfer I requested to see field XXXX on the XXXX document with the XXXX XXXX XXXX XXXX. My request was denied by XXXX I also called XXXX customer service three times inquiring about my transfer. 
I have called XXXX XXXX customer service twice and emailed XXXX XXXX customer service a copy of the XXXX document.
Product: Mortgage

I bought my property in XXXX and had HOA3 insurance on it with XXXX  XXXX, through XXXX XXXX. In XXXX they withdrew from Florida. 
XXXX XXXX got me XXXX  XXXX in XXXX and they withdrew my insurance policy after non payment in XX/XX/XXXX. I used to call the various reps at Penny Mac and asked why I was paying so much. They were dismissive. In XXXX I found out that Penny Mac imposed Lender Placed Insurance and had not paid XXXX so XXXX XXXXe got me new insurance coverage. 
I was speaking to a specialist called XXXX, who Penny Mac appointed after my complaint and I have left a few messages for her a few weeks ago and not heard back from her. 
XXXX had mentioned that every time I put something in writing it just complicated matters, but after not hearing back for a period now I am hoping that this can be resolved quickly. 

I am looking for the difference returned on what I should have paid and not the additional {$12000.00} Penny Mac chose the impose. 

I still live in the same house. I was insured with XXXX XXXX at the time and then when XXXX   XXXX withdrew we went to XXXX XXXX. After the Penny Mac debarcle XXXX 's found me new insurance. 
I have had HOA Insurance until XXXX when my HOA got insurance. 

When I spoke to XXXX at Penny Mac she seemed like she wanted to help me. Her research department said that they had not received an invoice from XXXX XXXX. 
I spoke to XXXX XXXX and XXXX sent me an email after speaking to me and said that their policy is to call for payment. Penny Mac did not send the money to XXXX and for whatever motive imposed their lender placed insurance on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account from XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Product: Checking or savings account

Someone was able to steal XXXX dollars from my bank of America account via atm without my card! I never lost my card and still have it. Despite this bank of America lied to convince me to close my account and when they sent a new card the account was frozen with all my funds. They also halted their own fraud investigation ( suspicious ) on account of my account being frozen. Bank of America has no right or reason to close my account indefinitely and should be held liable for any and all consequential damages.
Product: Credit reporting or other personal consumer reports

The reported information is not allowed per 15 U.S.C. 1681e ( B ) and 15 U.S.C. 1635
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE FUTURE-DATED & UNAUTHORIZED INQUIRIES To Whom It May Concern : I demand the removal of the following inquiries from my Experian credit report for violating FCRA 604 ( permissible purpose ) and 607 ( b ) ( accuracy ) : XXXX XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry ( XX/XX/XXXX ). 

XXXX XXXX NA XX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XXXXXX/XX/XXXX Violation : Unauthorized access. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized access. 

Legal Demands : Delete these inquiries immediately.

Provide written confirmation of deletion and a revised credit report.

Failure to comply will result in : A CFPB complaint referencing Experians violation of the 2023 Consent Order.

A lawsuit under Texas DTPA for deceptive practices. 

Enclosed : Credit report excerpts. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX