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

I have a fraud Alert on my XXXX account. Yet XXXX keeps allowing fraud to be reported on my consumer report. ALL XXXX ACCOUNTS AND XXXX XXXX ACCOUNT ARE NOT MY ACCOUNTS. XXXX has never reached out to me, neither company has send be a 1099c ( CANCELATION OF DEBT ) from the original creditor. Both companies along with XXXX has violated my consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX has XXXX my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C. 1681 section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I made a payment over the phone to Navient Solutions Inc for an amount around {$300.00} towards both my Federal and Private loans. The Federal loan amount owed {$180.00} and the Private loan owed {$110.00}. I was assured by the representative I spoke with that the {$300.00} payment would cover BOTH loan payments. 

About two weeks later on XXXX, XXXX I received XXXX phone calls at XXXX. XXXX call to my cellphone and the other to my home phone, both informing me that I am past due on my Private loan. 

I called Navient and spoke with a representative for about XXXX mins. She admitted that Navient had made a mistake and would correct the payment. I asked her to have the phone stoped. I was put on hold for nearly XXXX mins. She came back on the line and assured me that she had contact Navient 's collections department and all calls would stop. 

Late the same evening at XXXX I received XXXX phone calls from Navient 's collections department again. It seems Navient does not care for customer service. Navient Solutions Inc does not seem to care that they are harassing customers and violating FDCPA regulations. During previous calls in XXXX, XXXX dealing with same problem regarding my Federal loan, I was told by a Navient representative that it is not company policy to update it 's system the same day. He went on to tell me that I should just disregard all calls until the system updates on it 's own.
Product: Debt collection

My original debt was with XXXX, who sold the collection to XXXX XXXX XXXX. In XX/XX/XXXX XXXX contacted me with a settlement offer, which I accepted and paid in the amount of {$3400.00}. The item was listed on my credit as paid and I thought this was over. One year later, I got a letter by mail from D & A Services stating that I owe them {$2300.00}. I called the company numerous times and sent in all verification that was asked, yet they have refused to correct this item, and are advising me to contact XXXX, although D & A is the company that has listed a new debt on my credit. I do not know where else to go with this, this company has ruined my credit at a time where I am in the process of trying to purchase a home, and refuses to correct their actions. This item was paid since XXXX of XXXX, is listed on my credit as paid, and here they come with a new collection attempt. This is very deceptive and a practice that I wanted to bring to the attention of the Federal Government.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove these items ASAP. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( TransUnion ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXXXXXX XXXX Account # XXXX with the balance of {$4700.00} ( Date open XX/XX/2022 ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Debt collection

I won litigation against Wakefield and Associates and they refuse to stop attempting to collect and will not remove the debt from my credit report as stipulated in the settlement.
Product: Credit card

On XX/XX/XXXX I call about capital one about some fraudulent charges on my account XXXX of them they cancel the card and claimed that they mail out another card to me. I have not gotten that card. I dont know who them mail out my cards too, and them are. Charge the card and hold me responsible for it when I reported those XXXX fraudulent transaction XXXX weeks later, they are saying that I am responsible for it how can I be responsible for that? I am not in the country for almost XXXX months Ive been in XXXX from XXXX. How can I benefit from a charge when I am XXXX miles away from this country I can send my Itinerary on my flight ticket to tell you when I leave this country and when I return, I will not be responsible for someone else charge
Product: Checking or savings account

On XX/XX/year> there was a transfer made into incorrect savings account ending in XXXX for the amount of {$500.00}. On XX/XX/year> there was another transfer made in the amount of {$1000.00}. The bank had a XXXX savings account listed on my portal and a deposit was accidentally deposited into the account ending in XXXX. Spoke to the bank on XX/XX/year>, XX/XX/year> and XX/XX/year> regarding sending the funds back the original checking account. The bank has refused to send funds back to me claiming there is a charged off checking account that I would need to satisfy even though they have handed the account off to a third party company. The funds are in a separate account that they are holding illegally and trying to force me to pay the third party company. Once funds were deposited and cleared in NFCU institution they then closed the savings account and would not allow me to access the funds afterwards. They will not satisfy the debt on their own because they cant legally. They claim they can and will hold the funds indefinitely for the entire amount even the portion that is not owed to them until I forcefully allow them to let the third party get a portion. I feel this is not proper banking practices and should not be allowed to be carried out this way in this manner.
Product: Credit reporting or other personal consumer reports

Experian abused my reports to send useless email notifications & confuse consumer purposely
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Enclosed : copy of State ID
Product: Student loan

Attached is a screenshot of EdFinancial 's assertion of what my loan balance ( s ) are/is. I sent EdFinancial a {$70.00} payment non-physically. Interest will begin to be charged on XX/XX/XXXX. Date of writing this text is just XX/XX/XXXX. I'm going to be charged interest unjustly if EdFinancial doesn't put my {$70.00} payment almost two months ago on the correct loan, which is the loan group I have with the highest interest rate ( and the lowest actual present balance. ) Further, I have a Consumer Financial Protection Bureau complaint ending in XXXX against a debit/gift/credit card or finance company ( not EdFInancial ) regarding the matter of an initial {$8.00} submitted on XX/XX/XXXX. Regardless, that {$8.00} can be applied to the same group as the {$70.00} in question, and this must be done before XX/XX/XXXX when interest will be begin accruing again.
Product: Debt collection

Multiple phone calls regarding debt owed. My personal information was compromised with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus XXXX, XXXX, and Experian to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, XXXX, and Experian did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. XXXX, XXXX and Experian has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. XXXX, XXXX, and Experian has not did not do proper investigation and now Experian, XXXX, and XXXX is in violation of FCRA Accounts : : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, and Experian has violated my rights several times XXXX, XXXX, and Experian has violated the laws of The FCRA
Product: Mortgage

On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}. 

On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber. 

On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment. 

On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional  information/clarification/assurances via fax and social media, but have received no response.
Product: Debt collection

I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX   stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I have had a capitol one account for over 20 yrs as a matter of fact I have had 2 capitol one accounts for over 20 yrs. one with a credit line of XXXX and the other with a line of XXXX. I have not missed a payment in that time that I can remember nor does my credit bureau show a payment ever being 30 days past due. yet they claim to have made a business decision to close both accounts. I think they have the right to do that but they will cause harm to me by reporting it to the credit bureau. when I think they closed it because I turn XXXX on XXXX XXXX because I have paid them hundreds of thousand of dollars in the past. yet when I ask to speak to the person in charge they hung the phone up. they say it was being recorded which would be a good thing. I think there is more to this than they are telling me. I will do what ever is necessary to make sure this does not happen to anyone else as a matter it would me nice to know how many card holders they have closed with the payment history like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190000.00}
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account # XXXX, PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX. ) account # XXXX, PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions
Product: Credit reporting

equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theTRANSUNION credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.