23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to file a complaint against Navy federal Credit Union regarding multiple overdraft fees I have incurred funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite intially available funds. I believe there practices are unfair and request an investigation into my account transactions. Please refund all and any funds that were taken due to overdraft fees.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Debt collection

This company states someone gave my info as a reference, I advise them not to contact me Ive been text and called again. They are rude and hang up so I ask for manager with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$230.00} -This is not my account.
Product: Mortgage

I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. 
Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account XX/XX/XXXXDear CFPB, I am writing to formally dispute the inaccurate late payment reporting for my XX/XX/XXXX account (XX/XX/XXXX) on my credit report. Despite submitting multiple dispute letters dated XX/XX/XXXX and XX/XX/XXXX, no corrections have been made. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account details reported by your bureau contain significant discrepancies : Account Information : High Balance : {$30000.00} Last Verified : XX/XX/XXXX ( XXXX ) ; Not updated ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX and Equifax ) Balance Owed : {$6500.00} Payment Status : Current Creditor Remarks : No remarks provided by the creditor, leaving room for misinterpretation. 
Late Payment Errors : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all three credit bureaus ( Equifax, XXXX, and XXXX ) XXXX 
Inconsistencies in Date of Last Activity : XXXX shows XX/XX/XXXX, while XXXX and Equifax show XX/XX/XXXX. 
Failure to Mark Dispute Status : The account is marked as " Account not disputed '' across all bureaus, despite ongoing dispute efforts. 
FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies listed above demonstrate non-compliance.

15 U.S. Code 1681b : My consumer information was used inaccurately in reporting false payment data.

TILA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payments indicate a failure in compliance with this requirement.

Impact and Resolution : The continued inaccuracy in my credit report has caused undue harm to my creditworthiness, affecting my financial opportunities.

I am requesting the following immediate corrective actions : Remove the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Provide written confirmation of the correction. 
Ensure compliance with the FCRA and TILA to prevent future reporting errors. 
If this matter is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Please confirm receipt of this letter and inform me of the actions taken within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/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/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

XX/XX/19Called Specialized Loan Servicing regarding my escrow/tax account. I called to inform them that I disputed my taxes and I won my dispute and that my tax amount was significantly changed. In addition I explained that the new analysis that I received in the mail on XX/XX/19 from the mortgage company showing that my escrow account is short due to increase in taxes. I explained that per XXXX County Tax Appraisal District that the new analysis would be sent out at the end of XX/XX/XXXX or sometime in XX/XX/2019. The  customer service representative whom I was speaking to was unable to assist me therefore she transferred to the tax department in which I spoke with a different rep who stated that my credit score would be impacted and late fees would be added to my account if I did not pay the extra $ 200+ /monthly increase starting XX/XX/2019. I re-explained the above to this rep as well as advised her that I was just notified of the change onXX/XX/19. The rep stated I am not sure why it took so long for you to receive he notification because it was completed in XX/XX/2019. I asked to speak with a manager named XXXX ID # XXXX as I was trying to explain the above she cut me off and said true you will receive late fees and your credit score will be impacted. I asked if there was someone else for me to speak with another manager who was over her and she stated that there was no one else for me to speak with. I asked who her manager or reporting supervisor was and she stated XXXX I asked if I could speak with him she said no. Then I asked to XXXX for a telephone number and an address for the Consumer Hotline for complaints for Specialized Loan Servicing she kept saying how can I help you how can I help you. Then she I have to place you on hold, she left me on hold for over 10 mins and gives me the same telephone number that I called her on and the PO Box address from my billing statement. She begin to verbally attack me during the call and I finally had a enough and told her that she needed to obtain better customer service skills and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to PNC BANK. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to PNC BANK requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically anxiety. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Product: Credit reporting or other personal consumer reports

I am a " paid '' victim of the Equifax data breach. These accounts were listed as being fraudulent, yet they are still showing on my consumer reports. Please assist me in removing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy. 

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am contacting you concerning the current negative balance reflected on my PayPal business account and the recent communication about the debt recovery process. I wish to address several critical points regarding this matter.

Firstly, it is essential to note that there are unresolved payment disputes pertaining to chargebacks, as evidenced by the account 's Resolution Center status, which clearly shows ongoing reviews for cases dated XX/XX/XXXX. These unresolved disputes directly impact the accuracy of the alleged debt amount. In accordance with standard financial practice and fairness, it is premature to engage in collections or assert a definitive debt amount while these chargebacks are not yet settled. 

" XX/XX/XXXX, and XX/XX/XXXX, you received five credit-card funded payments totaling {$22000.00} '' Secondly, as the account in question is a business account, I wish to clarify the distinction between personal and business liabilities. The PayPal User Agreement does not explicitly transfer the liability of business debts to the business account administrator. As there has been no personal guarantee agreement signed by me, nor is there a provision within the User Agreement that implies personal liability for business account debts, the pursuit of personal liability for these business debts is not substantiated by the terms of the agreement. 

Case ID Type Reason Amount Last updated XXXX XXXX XXXX refund or credit Lost {$2000.00} USD XXXX XXXX Chargeback Unauthorized transaction Lost {$5000.00} USD XXXX XXXX XXXX XXXX XXXX Lost {$4000.00} USD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Liability for Unauthorized Transactions , '' " Resolving Disputes, Claims, and Chargebacks, '' and any provisions about business accounts and operations.

The separation of business and personal accounts within PayPal 's system is a recognition of the distinct legal and financial entities that these accounts represent. Therefore, debts incurred by the business should not be personally attributed to the account administrator without a clear and explicit personal guarantee or contract that establishes such responsibility.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is TRS RECOVERY SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, TRS RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) TRS RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation TRS RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where TRS RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. TRS RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses that Im not associated on my credit report and I would like them to be removed
Product: Credit reporting or other personal consumer reports

Apparently, XXXX XXXX XXXX charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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 Has 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 report agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payme
nt account under an open end consumer credit plan as a late for any purpose 15USC 1662 : For purpose of this section, the term billing error means ( 1 ) reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to the person who as actual implied, or apparent authority to use consumer open end credit plan.
Product: Credit reporting or other personal consumer reports

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX account # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Credit  and  XXXX   XXXX   XXXX  are showing  two ac counts of mine that were paid on time and the balance was paid in full. There was never a late payment made, as the credit report shows. Yet, they are reporting both as  " Closed-Derogatory '' and I h ave now seen a  XXXX  point drop in  my credit score.
Product: Checking or savings account

XXXX PLEASE REFER TO THIS COMPLAINT FILED XXXX. 

TD Bank had given me provisional credit for unauthorized ATM charges {$260.00}, but hen reversed it on XX/XX/XXXX, XXXX i had filed a police complaint about the hacked bank account but TDbank has refused to help me. Even thought the proof of purchase given by merchant XXXX shows someone in XXXX has hacked my account. 
Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor had violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

In XXXX I consolidated my student loans with First Republic Bank. The loan issued by First Republic is a personal loan and not a student loan. A large incentive to consolidate the student loan debt into a personal loan was that First Republic would not report the loan to credit bureaus. This was promised and confirmed over and over by First Republic Bank Representatives. For the first 2 years of the loan it was not reported to the Credit Bureaus. However, First Republic changed their policy and reported the loan to the Credit Bureaus in XXXX. 

This drastically impacted my credit as a Personal Loan of this size is viewed much differently than a student loan. 

Now I have attempted to refinance the loan back as a student loan to avoid the negative credit reporting and can not do so as it is a personal loan. 

I emailed and called several people with First Republic who refused to change the credit reporting. These emails can be provided if necessary.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is in Violation of 15 U.S. Code 1681 ( a ) ( 3 ) and 15 U.S. Code 1681 ( a ) ( 4 ). ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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 would Like a resolution for TransUnion to provide my credit report on my TransUnion dashboard of my profile and to provide a current hard copy of my credit report. I want to ensure They Update my current score to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : 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

Equifax says they could not identify me with this fraudulent account on my report. I have attached copies of Driver 's license, Social Security Card, return receipt for company that has received my dispute. I have also attached a copy of the affidavit of truth ( copy before notary ), cease and desist letter, and Identity Theft Report. Equifax I would hope that you do your job and protect my consumer report as it has been ruined by this fraudulent account. Please have it removed from my consumer report. I want XXXX XXXX XXXX to also send a letter to Equifax and myself stating it is being removed as well as pay the invoice attached for violations against my consumer rights.
Product: Credit card or prepaid card

this has been a longstanding and unresolved issue. I was a victim of id theft and fraud and synchrony bank illegally took XXXX from my now closed XXXX XXXX XXXX checking account. I was assured that the problem would be resolved but as of yet, the problem still exists and i'm extremely upset by this issue. I've submitted documents and a police report to XXXX XXXX XXXX at XXXX EXT XXXX. I'm extremely angry and I want this issue resolved immediately.