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

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Please provide the original contract agreement as well. The following account ( Axcess financial ) is reporting a balance of ( {$4400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$4400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as early warning services, XXXX XXXX, Experian, 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 XXXXXXXX XXXX XXXX All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XX/XX/2021, XX/XX/2021, XXXX, XXXX, XXXX 2021 these are the dates my letters went out and calls Equifax told XXXX that my compliant was old but they received it and Equifax, XXXX, XXXX have accounts back added as a reattach to my report once removed off
Product: Checking or savings account

On XX/XX/XXXX, I Received a direct deposit from VA-XXXX for {$10000.00}. I sent my Wife {$1300.00} and went to a Car Dealership in XXXX XXXX, Kansas. Found a vehicle my wife and I thought would be our next vehicle so we tried to finance the vehicle. Proceeded to finance it with {$7000.00} using XXXX XXXX. Had to split the transaction due to not being able to transfer that amount at once. Used {$3000.00} down from MoneyLion.

MoneyLion Locked my account due to " Spending more than {$10000.00} in 30 days '' -from MoneyLion Support Rep I asked the next person I called to transfer or maybe it was the same one, regardless the amount of times I have talked to the support is crazy. 
I tried to have {$4900.00} sent to my physical bank and it somehow ended up getting put into an investment portfolio which is down to {$4700.00}. I called to have it cancelled and corrected and then they froze those funds. 
It has been over 30 Days since I have started calling them more than once a week. They advise me every time to keep waiting for an email and that someone will be in contact. I have submitted my identity verification and everything. 

The {$3000.00} that was paid to The XXXX XXXX XXXX XXXX was XXXX. 
The Sales Manager was kind enough to refund the money after telling them what happened. I showed them my card number to use as a visual on their machine and they tapped it to their machine instead initiating it to go to a different card then the MoneyLion bank. 
The {$3000.00} got sent to XXXX XXXX. 
After weeks of going thru talking to people I found out the Money went to XXXXXXXX XXXX 
XXXX XXXX claims the dealership canceled the refund and they have no held Funds. 
XXXX in XXXX XXXX Says the Money was Sent to XXXX XXXX and there was no Credits to their Account. 
Besides for the {$3000.00}, the Money in my MoneyLion Investment account is down to {$4700.00} so it has gone down over {$100.00}
Product: Credit reporting or other personal consumer reports

In XXXX, These loans were. 
Originally taken out under false pretences. At the time I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To attend college, it is one of the apartments that you prove you have received XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted XXXX XXXX XXXX # XXXX, And when I spoke with someone they said that they had six years to review my case. This loan has been on my credit account for over ten years and can Take another 6 to decide to remove. 

When this loan was originally applied for, Whoever was doing the intake information Failed to do some verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  only one of the four tests have been passed. 

Therefore the loans received for college that I never had permission to be enrolled in, Are negatively effectiving My ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the XXXX  XXXX data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. 

The following fraudulent accounts have been placed on my credit report and must be removed immediately : XXXX XXXX XXXX XXXX : Balance {$23000.00}, Account Number XXXX XXXX XXXX XXXX Balance {$1800.00}, Account Number XXXXXXXX XXXX XXXX XXXX  Balance {$400.00}, Account Number XXXX Remove all name should only have one name XXXX XXXX XXXX REMOVE ALL HARD INQUIRES AND SOFT!!!!!! 

These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within FOUR DAYS of receiving this notice.

Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately.

Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. These fraudulent accounts were opened without my consent, violating this statute.

Your failure to comply with these clear legal obligations will result in immediate escalation.I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act.

You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.
Product: Checking or savings account

IM WRITING TO FILE A COMPLAINT AGAIN NAVY FEDERAL CREDIT UNION REGARDING MULTIPLE OVERDRAFT FEES I HAVE INCURRED. DESPITE HAVING SUFFICIENT FUNDS WHEN TRANSACTION WAS AUTHORIZED. I WAS CHARGED FEES DO TO THE LAGGED POSTING CHARGES AND CREDITS. THIS ISSUE ALIGNS WITH THE RECENT CFPB FINDINGS AGAINST NAVY FEDERAL FOR SIMILAR PRACTICES WHERE TRANSACTION SETTLED WITH INSUFFICIENT BALANCES DESPITE INITIALLY AVAILABLE FUNDS. I BELIEVE THESE PRACTICES ARE UNFAIR AND REQUEST INVESTIGATION INTO MY ACCOUNT TRANSACTIONS
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts under my name. Im tired of calling the collection agencies, and they cant answer my questions. This has greatly affected my financial situation. I need help to remove these frauds from my credit report. 
Please help
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Innovative Recovery would verify the debt. So I took it upon myself to ask Innovative Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. XXXX XXXX has given me 3 separate inquiries 2. American Express 3. : XXXXXXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been several months now I have been in consistent contact with Equifax consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Equifax. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Equifax has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a  consumer my rights have an continued to be violated and Equifax should be held accountability. Equifax has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Equifax is liable.
Product: Payday loan, title loan, or personal loan

I just received an adverse action notice of denial due to unable to verify identity after I've submitted every verifiable document on my application. Also, being denied with XXXX FICO score which violates 1002.7 denial credit to a credit worthy applicant. 

How was I denied? When I'd verified my identity?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Monday, XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required Dear Consumer Financial Protection Bureau XXXX I am writing to follow up on opt-out letters dated both XX/XX/XXXX and XX/XX/2023, in which I formally exercised my right to opt out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX, XXXX, and TransUnion XXXX This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, XXXX, XXXX, and TransUnion have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX, XXXX XXXX and TransUnion take immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered a credit inquiry from XXXX XXXX XXXX on my Equifax credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to Equifax. Both came back verified with no proof. I called XXXX XXXX XXXX  on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, XXXX XXXX XXXX and Equifax are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid XXXX Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
7. Synchrony Bank/Care Credit, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I received a copy of my credit report and I do not recognize the following items. I am very worried because it was definitely not me, I hope you can help me. Thank you. 
Below are the items with error : XXXX XX/XX/year>| I never authorized these inquiries. Please delete immediately. 
XXXX XX/XX/year> | I never authorized these inquiries. Please delete immediately. 
XXXX XX/XX/year> | I never authorized these inquiries. Please delete immediately. 
XXXX XX/XX/year>| I never authorized these inquiries. Please delete immediately. 
XXXX XXXX XX/XX/year> | I never authorized these inquiries. Please delete immediately. 
XXXX XX/XX/year>| I never authorized these inquiries. Please delete immediately. 
XXXX XX/XX/year>| I never authorized these inquiries. Please delete immediately. 
XXXX XX/XX/year>| I never authorized these inquiries. Please delete immediately. 
XXXX XXXX XXXX XX/XX/year> | I never authorized these inquiries. Please delete immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

Request for Signed Contract Regarding Charge Off Account - Reference : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ) Dear Jefferson Capital Systems , I hope this letter finds you well. I am writing to request a copy of the signed contract with your company Jefferson capital systems pertaining to my charge off account, in accordance with the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ) ,12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ) As a consumer, I am entitled to review the contractual agreement under which this account was established. According to the aforementioned regulations, I am specifically requesting the signed contract that governs the terms and conditions of the account in question. 

I denied and disputing owing any debt to Jefferson capital system, and I revoque all rights of communications with me through email, text and calls. 

I am requesting debt validation and the purchase agreement between Jefferson capital system and the original creditor. And a proof that Jefferson capital system is licenced to collect in the state of Illinois and bonded. 

Please provide me with a copy of all of these mentioned above at your earliest convenience. I understand that under the regulations also mentioned above, you are required to furnish this document within a reasonable timeframe. 

If none of those can not be provided I demand that this charge be removed off my credit report as soon as possible. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 
Thank you for your cooperation. 

SincerelyXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Chex Systems , Inc Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX I am writing to request an investigation of the following information that appears on my Chex Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX  Account # : XXXX Routing # XXXX Date of Closure : XXXX Bank : XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Date of Closure : XXXX Bank : XXXX XXXX Open date : XXXX ) Account # : XXXX Routing # : XXXX Date of Closure : XXXX Fraudulent Inquiries due to identity theft XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX a part of XXXX on behalf XXXX XXXX  XXXX XXXX. XXXX XXXX a part of XXXX on behalf XXXX XXXX  XXXX XXXX. XXXX XXXX a part of XXXX on behalf of XXXX XXXX XXXX XXXX XXXX dont recognize the following accounts and inquiries in question. Im a victim of identity theft and I dont recognize these accounts and inquiries on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called Credit Bank OF AMERICA @ XXXX Phone : XXXX XXXX XXXX for reason STOP TRANSFER money {$150.00} into office Lawyer, in the time I called the bank Money still holding in bank OF AMERICA BUT EMPLOYMENT the Bank intention want to pay money for lawyer {$150.00} from my credit although I called the bank OF AMERICA and I gave reason lawyer cheat me But employment the Bank want transfer for lawyer, and they said with me Monday after transfer for lawyer, I called them they will get back for me, If I called back Monday, I called back I am not employment sent get back for me when lawyer cheat me, they no help my case for me, and they did not answer all my question from me They said, I should to wait 90 days, If lawyer agree refund for me, The bank OF AMERICA will refund for me, But lawyer did not want refund for me, I should to pay {$150.00} Now I petition CFPB solve for me, and to request the bank responsibility about that because their employment want to pay for lawyer, It is not from me It is seem act fraud and abused
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX breach, I found out that in XX/XX/XXXX, Navy Federal Credit Union placed an illegal tradeline, a credit card account ending in XXXX, on my personal XXXX, XXXX, and XXXX credit reports. 

Since that time, I have sent multiple letter to Navy Federal Credit to provide me validation that this account was mine in accordance to FACTA law including, but not limited to : a application or electronic consent to open this account with my signature or voice approval. As recently as XX/XX/XXXX, I tried to contact them in attempt to resolve this matter to no avail. 

To date, Navy FCU has not sent me any documentation that this account was mine, stating this a Joint account, which I did not agree to have opened. I have also disputed multiple times with the credit bureaus, each time Navy FCU said this bogus credit card account was mine. 

Further, since XX/XX/XXXX, Navy FCU had deducted payments from my checking account ( # XXXX ), and  closed it in XX/XX/XXXX without any notice ( mail or email ) to me. 

In XX/XX/XXXX, I placed a complaint with the National Credit Union Administration ( NCAU ). In response, the NCAU emailed me stating that my complaint was not handled by  their organization, and to file with CFPB and FTC.
Product: Debt collection

on  XXXX   XXXX  through  XXXX  i saw that  Eastern Revenue in c removed an account of {$6000.00} from report. They changed the reopen date to  XXXX / XXXX /  XXXX   when it was orignated in  XXXX . a few days later they put it pack on my report  XXXX / XXXX /  XXXX  . i have not been in school for 7 years so they can not continue to report this account it must be removed.