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

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX FUNDING XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found inaccurate public information on my credit profile. I disputed with Transunion, XXXX, XXXX and XXXX XXXX. All of them removed the information for violation of FCRA. Only Transunion refused to do so. I will attached all the document below.I also sent FTC report to TransUnion which TransUnion refused to investigate. 
TransUnion deliberately refused to do any investigation and repeatedly send me letter of verification. When I demand the proof they refused and outright ignored me on multiple occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX, XXXX XXXX  XXXX & XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was tricked into signing up for Transunion 's credit report service because they advertised it as if it's free. This service charged me {$24.00} a month all the way until XX/XX/XXXX when I found out and canceled it using their website self-serve tool. No refund option is given on their website.
Product: Debt collection

Please be advised that I am disputing a collection that is reporting negative on my credit report. They are in violation according to the following codes. I am requesting this is removed from my report immediately. 
1 ) The collection agency has not provided valid information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my credit report.

2 ) I was not given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3 ) The collection agency is violating my consumer rights by using misleading, misrepresenting, and deceptive information on my credit report.

4 ) The collection agency has no authority to furnish information to a consumer reporting agency without providing all disclosures required by law and they are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
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 flagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient funds balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My husband and I have lived in our house for 3 years and we asked Shellpoint Mortgage ( the current lien holder of our house to perform an appraisal, as we wanted to know how much equity we had in the house at current market value so that we can pay the difference to get it up to 20 % so that we no longer have to pay the PMI. The appraisal was done and we were charged XXXX The value of the appraisal was much lower than the amount on which the county was calculating our property taxes, so I asked for them to send me a copy of the appraisal so I could see where the discrepancy was. It took them nearly a month for us to receive this appraisal ( and I had to call several times to request it ). The appraisal finally came and my husband noticed that the square footage on the appraisal was XXXX, which was XXXX square feet lower than the XXXX that is on record with the county, which resulted in a valuation of our home that was {$10000.00} lower than it should have been ( assuming the same value/sq foot that the appraiser was using on the appraisal ). On XXXX XXXX, I called Shellpoint to request that the appraisal be corrected. Since then ( nearly 4 weeks ago ), I have been calling every few days to check on the status of the correction of the appraisal, and it seems things are not moving forward. They have had plenty of time to correct this straightforward error. Please help. Every month that passes that the appraisal is not corrected is costing us {$170.00} in PMI.
Product: Payday loan, title loan, personal loan, or advance loan

While I was deployed ( XXXX XXXX XXXX ) I called One Main because my pay was getting messed up and I wanted to set up a payment plan with them to keep my account from becoming delinquent. I called them multiple times because they were struggling to understand my situation and provided me with the appropriate assistance to help me in my financial crisis. One Main told me that my account was up to date but still reported that my payment was late.
Product: Payday loan, title loan, or personal loan

In  XX/XX/XXXX , my husband and I applied for a loan with One Main Financial located in  XXXX   XXXX , MD. Since having the loan, we have made a numerous amount of payments on time and when my husband was laid off, we requested to have our loan deferred . One  way or another, since having this loan, as of  XX/XX/XXXX   , only {$1000.00} has been applied to the principal and the representative said that if we paid in full today, our total balance due would be {$13000.00}. We borrowed {$15000.00} a few years ago and have made payments totaling over {$7000.00} since having this loan. Our balance should be significantly lower especially since we have paid a significant amount during the tenure of this loan. In speaking with several r eps at One Main, they were unable to explain why an enormous amount was going solely to interest EVERY month. We are in the process of pursuing a civil lawsuit against One Main if the funds that we have already paid is not applied promptly. This issue has been brought up previously and have remained unaddressed by One Main.
Product: Credit reporting

I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent LVNV FUNDING LLC certified letter asking for verification of the negative account they are reporting they were not able to validate the account Im asking account to be removed because its stopping me from get my home loan.
Product: Debt collection

I went to an ER in Florida in XXXX. I WAS NEVER SEEN by doctor 's. I spent months writing/filing complaints. XXXX XXXX told me that they had deleted the debt. 

This year in XXXX a debt popped up on my Credit stating it was from XX/XX/XXXX. They are also showing late payments every month. I immediately requested documentation and disputed this information. 

This debt was already removed from my credit reports TWICE! I have NEVER received any written communication from this debt collector even upon requesting it, and when I called the company they sent me to a voicemail. All I have is their phone number. 

They are violating re-aging laws and HIPPA.
Product: Credit card or prepaid card

Our travel agent in XXXX XXXX correctly charged {$12000.00} XXXX XXXX dollars against my XXXX XXXX card on XX/XX/XXXX for a future vacation. Prior to arranging for payment of the vacation with the XXXX XXXX card, I spoke with an agent ( XXXX ) on XX/XX/XXXX and asked if they would waive the foreign transaction fee that would result from the transaction. XXXX stated XXXX would waive the foreign transaction fee for a large one-time purchase like a vacation/trip. 

Upon receiving the statement from XXXX, I noted the amount charged was higher than expected. Based on the amount charged in USD, XXXX used XXXX USD per XXXX By comparison, there is no record of a similar USD to XXXX exchange rate anywhere else in the world at any point during XX/XX/XXXX. I have attached examples from multiple websites which confirm the actual USD to XXXX was between XXXX and XXXX. The resulting overage charged by XXXX amounts to a low of {$220.00} USD and a high of {$220.00} USD. 

When I pointed out the overcharge to XXXX, they initially agreed that the exchange rate was incorrect, but blamed the merchant. XXXX initiated a dispute against the merchant for {$180.00}, which was the amount the agent quickly estimated the exchange rate overcharge to be while on the phone with me. I disagreed with the dispute being filed against the agent and stated the issue was the exchange rate created by XXXX. 

XXXX refused to correct the exchange rate and refund the overage when they determined that the merchant was not to blame.
Product: Student loan

I have a private student loan with Navient. The loan was initially for {$6400.00} and now it is at $ XXXX out of which $ XXXX are for accrued interest. The interest rate on this loan is 13:5 % and it originated in XXXX. Navient has put obstacles at every point to make repayment possible : A ) Navient never informed me there was Income Driven Repayment optioms. 
B ) Navient pushed to long term forbearance paying {$50.00} to renew it, every three months. 
C ) Navient will not lower the interest rate, they advised me to apply for refinancing with Navient themselves, however, they denied me due to my credit score, which was ruined by Navient. 
D ) Navient has not furnished ANY information of their discharge process, or settlement options ; they want me to pay {$300.00} a month which is prohibitive at this point. 
E ) Navient harassed incessantly during the pandemic, they offered covid related forbearance but charged a fee for it every time. 
F ) Navient customer service treats borrowers like criminals, there is not an ounce of compassion and their voices exude disgust, it is extremely distressing to hear them put me down every-time I call. I have XXXX XXXX  every time I see them on my caller ID. 
G ) Navient has offered me a repayment interest only plan, but in order to accept it they want to withdraw the money from my account automatically, they do not offer any other type of payment options. 
My husband it is a veteran and I have been a military spouse for 20 years with multiple moves and these circumstances have causes my employment to be sporadic, I have spent the last 15 years id my life being the main caretaker. I have been able to find a job with a non profit organization and from the moment I told Navient this and asked about Income Drive Repayment I was told I do not hace access to that due to the loan being a private loan, my repayment options are non existent and Navient calls me on the daily during work hours even though I told them I could not answer phone calls. Navient is demanding repayment and their representatives threatened me with wage garnishment. I am at my wits end and I need help dealing with Navient. I feel threatened by them, stressed by them, mistreated by them, treated as a criminal by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile.      1st  request sent certified mail  XXXX / XXXX /   17  ; response was " ve rified '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original credito  rs documentation to verify if this information is mine and is correct.   * These negative records are also listed on my report as duplicate record s (   XXXX  times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU 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 XX/XX/XXXX to XX/XX/XXXX 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. 


NAVY FCU 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, Caine & Weiner 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 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

im currently going through financial hardship. with my home up for foclosure behind on payments for cars and bills and struggling to put food on the table. navy federal went into my account for a card that was charged off over 8 years ago and took XXXX out of my account on XX/XX/22 out of my checking account that was set aside to get the mortgage caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from XXXX XXXX, Experian and XXXX to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : 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

The following accounts have been disputed and no information has been received within 30 days a sa result and by law these need to be removed. These accounts are not reporting on any other credit bureau and you need to follow suit with deleting : XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  -TOO OLD TO BE ON RECORD XXXX XXXX-TOO OLD TO BE ON RECORD ALSO THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME FOR THE PURPOSE OF EMPLOYMENT, CREDIT, OR INSURANCE AND SHOULD BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

XXXX  XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under 1666b- billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX All account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand XXXX provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

SANTANDER XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.
Product: Bank account or service

I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report has been split for more than a year. Attempts to correct the error by phone have not been successful as I can not get past their identity questions. The last time I called they asked 11 questions, most have nothing to do with the information on my report. IT SHOULD NOT BE THIS DIFFICULT TO TALK TO A CONSUMER REPORTING AGENCY VIA PHONE. The version of my report that is mailed should contain a total of 28 accounts : 20 closed & paid student loans, 4 credit cards, 3 closed paid auto loans and 1 closed gasoline account. It contains 26. The other 2 accounts are only being reported in my online MyEquifax account. This also results in XXXX never being able to verify my identity and send my report because there are two different Equifax reports. All 28 of the accounts are mine and reporting correctly. A letter to Equifax via Certified Mail dated XX/XX/2021 asking them to merge the two reports resulted in 4 of my student loans being removed as " belonging to me. '' Student loans were never part of the issue and were not mentioned in my letter. The mailed version of the report is still missing 2 accounts that have been reporting to them for more than a year. As of today, the online report shows only 3 accounts : 2 credit cards and the closed gasoline account. I am requesting your assistance in obtaining a complete report containing all 28 accounts so that my credit score accurately reflects all 28 accounts.
Product: Debt collection

I have a lot hard inquiries in my credit reports that it affecting me.. that I havent made any of them now my credit is worst
Product: Mortgage

I received a XXXX from the mortgage company stating Outstanding Mortgage principal as XXXX/XXXX/XXXX is {$83000.00}. Then my mortgage statement dated XXXX/XXXX/XXXX states principal mortgage is {$100000.00}. Why wo n't the amount be the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$860.00} ; XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Credit Bureaus today to report that I have been a victim of identity theft. After conducting research on how to remove the fraudulent accounts from my credit report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. According to FCRA section 605b, Credit Reporting Agencies are required to remove any accounts listed on an identity theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is currently being posted on my credit report. The list of accounts that do not belong to me or were opened without my permission is as follows : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} . I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. As per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.