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

Today XXXX i was looking threw my credit report then realized. XXXX bank was removed due to it being a secured credit card so why is Transunion still adding up a total balance. Of {$170.00} which is totality a false statement XXXX is a secured card. Im disputing the total balance and have XXXX deleted ( secured account ) im also requesting my account be updated and get a updated credit report paper. and to protect me with further retaliation
Product: Debt collection

This creditor refused to update my paid account to the 3 major credit bureaus. I paid this account off
Product: Mortgage

XXXX   XXXX  has denied any ownership interest in the securitized mortgage loan that is attached to my home.   Representatives from  XXXX   XXXX  have maintained that it operates merely as the Trustee for the owner / investor of my home loan. The records since inception have shown that  XXXX   XXXX  is the Trustee for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     Ironically, shown below is the message that  XXXX   XXXX  has sent to the CFPB, dated  XXXX   XXXX ,   XXXX   : " According to the records,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) is the trustee for the Trust, and the current owner of your loan. The Trust is a separate entity, and  XXXX   XXXX  maintains no involvement in the operations of the Trust, including maintenance of original documents associated with your mortgage loan. '' Coincidentally, one day earlier,  XXXX   XXXX , Assistant Vice President of  XXXX    XXXX    provided a letter to the CFPB, dated  XXXX   XXXX ,   XXXX   that states the following :   XXXX   XXXX   XXXX   XXXX    XXXX  has no beneficial ownership interest in the mortgage loans included in the Trust, i.e.,  XXXX  is not an investor in the loans. Instead  XXXX  merely holds legal title to the loans for the benefit of the  Trust 's Certificate  holders. '' However, the language used in the above statement from  XXXX   XXXX  and other correspondence reiterate its position on the ownership interest of the loan or certificates, and its recollection appears to be a sale of securities that it formerly owned to  XXXX     XXXX   XXXX    maintains no involvement in the ownership of the Trust, as it should n't per the rules of maintaining an arms-length relationship among servicers and investors.   Both banks appear to have some questionable connection  to Wells Fargo as  it relates to this transaction. All three entities have been recently sued for billions of dollar for similar activities.     Please have multiple agencies review the merits of my clai m, as Wells Fargo us es loopholes in the CFPB process to avoid providing a truthful response.
Product: Student loan

I had navient for many years. My info was breached by selling to other lenders and I was getting multiple calls and misrepresentation of info.
Product: Vehicle loan or lease

This dept is considered a charge off however this is actually considered an income and I should have received a 1099C in order to account for this as income. This is not a charge off. I am requesting that this is removed because it is not a debt. This is considered income and should not be reporting on my credit report. This vehicle in question was sold at the auction for more than the amount that theyre stating owed. The full lease on this account was paid for the charges that are showing up or after the fact charges that was placed on the account And Im requesting for this company to send me a 1099C!
Product: Credit reporting

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my report without prior written notification in direct violation of Section 6.11 of the Fair Credit Reporting Act. I am requesting that the reinserted inquires be permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

This dispute is about Early warning I sent an dispute on in XXXX in regards to an account with XXXX XXXXXXXX XXXX and an account with XXXX XXXX XXXX. Early warning is reporting inaccurate and unverifiable information. In my dispute i asked them to provide me with whatever documents that they received or phone number and name of person they spoke to to verify this account. I also needed the documents sent to me, like any documentation that could verify their claim of " Checking account fraud '' that they have on my report, they failed to provide any documents. This is a horrible claim to put on my profile. they are violating my consumer rights and because of their inaccurate reporting im unable to open a bank account that is not right and I demand they delete this misleading false information. I have attached the letters that was sent out to early warning. please see attachments section.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis will not show me my credit report. 

XXXX will not show me my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX, XXXXXXXX XXXX XXXXXXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE EQUIFAX, XXXX, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from EQUIFAX, XXXX, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, XXXX, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served
.
Product: Money transfer, virtual currency, or money service

My cash app account has had the same balance since XX/XX/year> of {$2000.00} even this day it's the same balance. All I get is the run around. I heard about the civil suit too late. I never gave any permission to release my personal info. It being a prepaid card I would think I was safe. This has really ran my business In to the ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all three credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either XXXX XXXX  nor has XXXX XXXX. It has been over 2 months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed account.
Product: Vehicle loan or lease

The closed account of PROFESSIONAL FINANCIAL SER which is reported in credit karma is stated as a auto loan and it was a credit sale. This is a credit sale discrepancy, with this error this is a violation and needs to be removed.
Product: Debt collection

I received a summons to court on XX/XX/XXXX by a sheriff to my home address. I was not aware of the account they were trying to collect debt on. I went to the XXXX XXXX, XXXX website which had my supposed account. There I saw the account that they were suing me for. The account is past the SOL. There has not been a payment since XXXX to XXXX XXXX. I was going to through bankruptcy and it did not work out. I asked to enforce the FDCPA and everything went unanswered. I have called them. I was told that my debt was too old to sue, but they could collect money or report to the credit bureaus. I was shocked to find out that I was being sued. I do not have any communication with them within the last year. The account on the XXXX XXXX Website had two payments. One on XX/XX/XXXX for {$21.00} and XX/XX/XXXX for {$94.00}. These are not payments that I made as I had no communication from them. These are fraudulent details to help restart the time limit to sue me. I can provide bank statements for those time periods and show that no payment was made to XXXX XXXX, XXXX and they have no right to collect this debt. They have Zarzaur & Schwartz suing me in my local probate court. They know that they can not as I have made no payments.
Product: Debt collection

I took out a personal loan in XX/XX/XXXX to consolidate credit cards! On my account statement, it shows XX/XX/XXXX that payment was received and credited to my account in the amount of {$1700.00}. On the statement, it also shows XX/XX/XXXX that there was a payment correction in the amount of {$1700.00}. Once I noticed this and began questioning XXXX, I have not been able to get straight answers. I once was told that they couldn't find the payment and was asked to send them proof. I went to my bank who gave me a copy of the cashed check with my account number written on it and XXXX Bank stamp on the back to show proof that they cashed it! They corrected the problem but then would continue reversing it. At one time, I was told by a XXXX representative that they still could not find any proof of the payment. Another time, I was told by a XXXX representative that the payment was found and her and her manager found that every time the payment was reversed to show payment, the computer was glitching and kicking it back out so her manager was doing an override and that it would be corrected! I just left my bank where the loan is through, and they again verified that the check was cashed by XXXX! XXXX Bank has now started the process to take me to court although they have received and cashed the payment in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not fixed the issues at had hand with the proper information
Product: Vehicle loan or lease

DriveTime XXXX. 

Greetings Ref : Underwriting Department Im the Consumer that EXTENDED you CREDIT on XXXX. 
Your advertising XXXX down with approved credit? But I get to the end on the contract online application and it's ASKING FOR CASH Transaction? According to 15 U.S. Code 1611 your violating my rights to UNLIMITED CREDIT. You can not ask for CASH in a Consumer CREDIT TRANSACTION. If you don't EXTEND CREDIT then I RESCIND this CREDIT APPLICATION. Because I know it's an SECURITY INSTRUMENT, And the CREDIT was GIVEN, BUT I HAVE TO GIVE CASH TO GET IT. 
You have a DUTY AND OBLIGATION to respond.
Product: Credit card

Bank of America reported deliquent payments to my credit however there were no balance on the card so no payment was needed.
Product: Prepaid card

I filed a dispute for {$400.00} and XXXX from an atm didnt dispense on XX/XX/year>. Received a email saying I will receive a provisional credit on XX/XX/year>. As of XX/XX/year> I only received the credit for the {$320.00} and not the {$400.00}. Which is a violation of Reg E law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : I did not authorize these items XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

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

When trying to check the status of a dispute with Equifax, they require me to answer questions supposedly taken from my credit report. When I answer the questions correctly, they say my answers do not match their records and refuse me access. I understand the need to protect my information, but of course my answers may not match because THEY have the incorrect information. And now I can't access my report to correct THEIR incorrect information, which appears to violate federal law.
Product: Debt collection

I originally sent a validation of debt letter to the EOS CCA XX/XX/2019. The letter was ignored. Then I wrote a second letter to EOS CCA. I will attach the letter to the CFPB today. The letter included a cease & desist. For this reason, I had the document notarized by XXXX CT. town hall. I immediately sent the document to the EOS CCA collection agency. I was explicit in instructing EOS CCA in the validation of debt letter to explain several key points. I asked for clarification about how the amount in question had arrived. I asked the agency to complete my request in a way in which I can understand. For good measure, I asked that EOS CCA prove that they're licensed in my state. The agency were requested to provide their license number to me. In the end, my letter instructed EOS CCA to ONLY contact me through the United States mail. On XX/XX/XXXX I received in the mail EOS CCA 's response to my validation of debt letter. I have enclosed the agency document for your review. Altogether, my requests were completely disregarded. In the final analysis, the response shows no details of how the alleged amount was calculated. The agency proceeded to ignore my request. EOS CCA contacted me XX/XX/XXXX through my cell phone number. They demanded my social security number in order to verify me which I was not comfortable giving them. The rep insisted there was no other way to verify me and as a result their was no just reason to respect the cease and desist?. In brief, my work number was never provided to them by myself and XXXX XXXX never had my work number. The representative made mention that in their notes they were well aware of my cease and desist. They still contacted me through my work/cell number after I stated only by mail. I have been given no reason to trust this agency especially with such personal information. All things considered, EOS CCA has violated my rights over and over again. Given these points, I am enlisting the help of CFPB that EOS CCA agency CEASE & DESIST immediately.
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 significant funds on transactions were authorized, I was charged fees due to lag postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when 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

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX  Account number : XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations.
Product: Checking or savings account

I recieved a XXXX transfer of a XXXX dollars from a XXXX XXXX, in exchange for cash, XXXX bank then reported the transaction as fraud and now my account is marked as restricted and I cant access my funds which I need for day to day activities, ally bank has been of no help in helping me access my funds needed for the day, this is not the first encounter I have had with ally bank, they always restrict my account for any purchase that I do even when I want to pay rent
Product: Debt collection

On XX/XX/year> I mailed a debt validation letter to Spring Oaks Capital LLC certified mail. They signed for it XX/XX/year>. This is not an account I opened. I have since then made a police report on this and another account at which they are investigating. I never recieved validation or even a letter. Its been over 30 days and want this removed off my credit report immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously reports account # XXXX XXXX XXXX XXXX XXXX as accurate & updated. 

However account still reflects inaccuracies. 

Equifax currently reports that last payments was received in XX/XX/XXXX. A violation. 

However, this account was last paid in XX/XX/XXXX, of which my bank statements reflects. Please update or remove Account immediately.
Product: Debt collection

They continuously and repeatedly call me despite being advised I am not the person they are trying to reach. We share a name, but that is all. I have confirmed my information several times in the past, I have checked my credit reports I am not the person they are seeking. I am receiving multiple calls daily at this point interfering work, I have asked them repeatedly to stop calling. When they call they are badgering, demanding I give them my SSN or other personal info without providing any context to the call, it has only been when I call back that I am able to obtain the name of the company and discern the purpose of the call.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in 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 XXXXXXXX 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: Debt collection

I have been on Medicaid for years and I have been receiving a collection for a er ems transport service I havent been to the hospital since XX/XX/2017 and I have a collection agency trying to collect from me at the Same time I have been informed that my personal sensitive information including my medical records and information has been compromised and I have been reported as a true victim of identity theft and name fraud. XXXX XXXX XXXX XXXX and XXXX credit report agency have my information as being compromised to which it has caused me to be directly impacted by the Data breach from both Credit agencies and I have never been charged for a ems transport service from my medical insurance company. I have to say that I hope that being my information is compromised and I have been a victim of identity theft and name fraud due to the fact that the Data Breaches have me finding a new origin of Some type of collection agency trying to charge me for the debt that I have not obtained myself. I am sure that with the details from this information with the process to get my identity restored should be a source to be easily verified and we can make a decision in regards to the situation regarding my circumstances with my personal sensitive information and my medical records and information being compromised by the Data Breaches from two separate credit report agencies, should be a source to reach the proper resolution to this matter and I look forward to seeing the new collection of debt being removed from my credit report and I hope it will be rather sooner than later so we can get this matter of unfortunate events resolved in a timely manner and I appreciate your time and consideration in this matter.