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

Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I filed for forbearance last year. We brought our loan current in/around XX/XX/XXXX. Our loan was modified and is supposed to reflect as current on our credit reports. There was a problem with Village Capital not reporting our loan as current, but rather, it showed 90 days past due. Ive spoken to the company several times and the issue was resolved a few months ago. Now, it seems like every month, the loan is still getting reported as late. My Equifax report shows 90 days late. The other two credit agencies show current. This is greatly affecting my ability to make a purchase. I reached out to Village Capital on XX/XX/XXXX and I have not received a response. I want my credit to reflect accurately and I want to know what ramifications Village Capital will face for constantly reporting my credit inaccurately? My wife is a co-borrower on the loan and her credit report is inaccurate as well. 

Thank you XXXX XXXX
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 funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with LARGE insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

My husband and I purchased jewelry at an XXXX  store on XX/XX/22. We wanted to get their credit card so we could make payments without interest. My husband was approved immediately. I was denied a card after completing the application and speaking to a representative. 
I received a letter in the mail from the bank on XX/XX/22 asking me to call them to verify my identity. I called and was again declined. I asked for a supervisor. I then spoke with XXXX. She stated that I was declined credit, there was no more information she could ask me to prove my identity, she could not give me a reason and that there was no one higher than her that I could appeal to. 
I believe this to be a violation of the federal equal credit opportunity act because my husband was approved immediately and I make twice as much money as he does and neither of us are in debt and we both have high credit scores. 
Everything points to age and gender discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that State Farm Bank remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by State Farm Bank. Please remove this fraudulent account immediately from my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 )  Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX  - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX/XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX/XXXX USA - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on My TransUnion Credit Report Dear TransUnion, I am writing to dispute the accuracy of the information on my TransUnion credit report. After reviewing my TransUnion credit report, I have identified an item that I believe is reported incorrectly. The details of the disputed account are as follows : 1 : XXXX XXXX XXXX  2 : Dispute of Collection Account from XXXX Account Number : XXXX XXXX Current Balance : {$180.00} Payment Status : Collection I have carefully reviewed my credit reports from XXXX and XXXX, and neither of them reports these collection account. Therefore, I believe that there may be errors or inaccuracies in the TransUnion report. 

I kindly request that you investigate this matter and verify the accuracy of the information being reported. I do not acknowledge any debt with the creditor. This dispute is solely a request for an investigation of the accuracy of the information. 

I expect you to complete your investigation within the 30-day period required by law and provide me with the results. If the information is indeed found to be inaccurate, I request that you remove it from my TransUnion credit report.

Enclosed, please find copies of supporting documents, including evidence that may assist in your investigation. 

Thank you for your prompt attention to this matter. Please respond to my dispute at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a house through XXXX XXXX. Who then sold my mortgage to BBT. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called BBT and they were to look into it and then they sold the mortgage to Suntrust. I then called Suntrust and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very confused. This reporting is hurting my credit severely and during this trying Covid time I am struggling.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : 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, credit repair services, or other personal consumer reports

Under hard inquiries, XXXX  is still on my equifax report.This hard inquiry is fraud and unauthorized.I have disputed this several times and demand it be removed.I have produced evidence as well.Legal action will take place if this hard inquiry is not removed and my credit score doesnt increase
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

There was multiple accounts in my name with Navy federal that I did not open that was fraudulent. The total balance for all the accounts was {$4000.00}. I noticed this on my credit report and every time. that I disputed with Navy federal they want to take so long getting the job done that they reported back to the Credit borough of being in mines so they can have more time with it because the three credit Credit Bureau Only allow 30 days and they dont allow any more time which is fine with the company Navy federal they taking longer to do the investigation and reporting back to the creditors that the account is mine because it need more time. I just want this removed off of me, mess up and things like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account. 
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees. 
They ignored my written request in violation of Federal and State laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage due to malpractice while many laws have been broken under the FCRA by your company. This has cause my financial injury and defamation of character. This malpractice has mad it hard for me to obtain loan jobs and housing most of all I cant obtain credit. This malpractice by your company make it very hard to apply for credit during the pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that on two separate days two different credit inquiries were done against two different agencies. The company name on both inquiries was Capital One but each inquiry had a different address and phone number. 
I have not applied for credit, seen a new doctor, or even moved so there is no reason for anyone to request a credit report against me. I would like to know why these companies requested a credit report against my name because I did not authorize them for any reason. Below is the information regarding the credit inquiries which does affect my credit and I do not deserve to have this done to me as I have been working hard to clean my credit up. 

Credit Inquiries : Source : XXXX Alert Date : XX/XX/2020 Inquiry Date : XX/XX/2020 Name : CAP ONE NA Phone : ( XXXX ) XXXX Business Type : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT XXXX : XXXX Source : XXXX  Alert Date : XX/XX/2020 Inquiry Date : - Name : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Address : XXXX XXXX  XXXX City : XXXX XXXX : VA XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I currently have a XXXX XXXX American Express card that is assessing me a {$450.00} annual fee with a {$1000.00} credit limit. The annual fee is 45 % of the credit limit, therefore a violation of the credit card act of 2009 that requires fee 's not exceed 25 % of a cards limit in the first year.
Product: Debt collection

On XXXX XXXX, 2015 XXXX XXXX XXXX sued me in XXXX XXXX XXXX for an amount they alleged I owed on a Lowes credit card. On the afternoon of XXXX XXXX XXXX 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 XXXX took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with XXXX to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to XXXX XXXX via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount XXXX agreed to and despite the fact that they received this payment, with no other notice to me XXXX took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and i found out that i have a collection from company ive never done business in my life. Please remove it because its hurting my credit a lot and i cant lease a new apartment for my family. Thank you in advance.
Product: Debt collection

Midland credit tried to take me to court. I got legal representation and we settled on a payment XXXX and removal. Which is paid. I would like midland to follow up with their promise. And remove paid debt. They reported in XXXX and settlement was in XXXX. Please update and delete
Product: Credit reporting or other personal consumer reports

I need the credit bureaus to delete all inaccurate addresses from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, the unverified and unauthorized items must be removed. 

Inquiries such as : 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