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

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXXXXXX XXXX Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} 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 or other personal consumer reports

KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under XXXX XXXX, I formally request their removal within XXXX  days. Attached are the relevant documents for your review and reference.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my disappointment with the initial attempt made to remove fraudulent items from my account. 

Unfortunately, the initial attempt to address this issue has been inadequate. Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me considerable stress and financial burden. 

As a loyal customer, I expected a more efficient and proactive response from your company in resolving this matter. The failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also eroded my trust in your company 's ability to protect its customers from fraudulent activity. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account and provide me with clear communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXXXXXX : {$1200.00} XXXX  XXXX : {$2800.00} XXXX  XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX : {$700.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$700.00} - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have called Experian for credit bureau to have a old out date address removed from my credit report. I only have one address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This address is attached to other inaccurate information being reported. The reporting process has allowed this to affect my credit for the lack of properly investing.I have not authorized anyone to add anything to my credit report ; however I was not contacted about creditor or debt collectors putting things on my credit report. 
I recently obtained a copy and noticed i, as they were not authorized by me and are in violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681b ( 2 ) and FCRA Section 605b, it is unlawful to report any information on my credit report without my explicit permission.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Navy Federal Credit Union for the unlawful closure of my credit card account, which took place on XX/XX/year>. The circumstances surrounding the closure of this account raise serious concerns regarding potential violations of several federal consumer protection laws, and I am seeking the CFPB 's immediate intervention in this matter. 

Background of the Situation : On XX/XX/year>, I was contacted by a representative from Navy Federal 's in-house collections team regarding my credit card account, which was two months past due. During this conversation, I was informed of financial hardship options designed to keep my account active. The representative assured me that my interest rate would be reduced to 3 % for a period of 12 months and that Navy Federal would be evaluating my eligibility for an additional financial program. At no point was I informed that my account was under consideration for closure. 

However, on XX/XX/year>, just three days later and prior to receiving any further communication about my eligibility for the financial program, Navy Federal closed my account without notice. This abrupt action was unexpected and contrary to the information provided during the XX/XX/XXXX call, during which I was led to believe that my account was still active and being reviewed for assistance. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violation : Navy Federals failure to provide complete and accurate information about the status of my account during our XX/XX/XXXX conversation violates the FCRA. The closure of the account without proper notification has likely caused adverse effects on my credit report, and I was not given an opportunity to address or prevent this negative outcome. 
Fair Debt Collection Practices Act ( FDCPA ) Violation : The communication from Navy Federal was misleading, as I was led to believe that my account was being offered hardship options and would remain active. The sudden closure of the account, without disclosing that it was being targeted for shutdown, constitutes deceptive and unfair collection practices, in violation of the FDCPA. 

Breach of Good Faith and Fair Dealing : By failing to inform me of the true status of my account and then closing it without warning, Navy Federal breached the implied covenant of good faith and fair dealing. I was denied the opportunity to make informed decisions regarding my account and was misled into believing that it was being maintained in good standing. 

Truth in Lending Act ( TILA ) Violation : Navy Federals actions may also constitute a violation of TILA, which requires creditors to provide clear and accurate disclosures about the terms and conditions of credit. The failure to inform me of the impending closure of my account while discussing potential hardship programs falls short of these requirements.
Product: Credit reporting or other personal consumer reports

1st of all XXXX and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX. Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized/inaccurate accounts on my report that need to be removed ASAP.
Product: Credit reporting or other personal consumer reports

there are items that clearly dont belong to me on my credit report and i need them taken off immediately. ive attached an idenity theft paperwork you asked for...
Product: Credit reporting or other personal consumer reports

This is my other 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 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 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

the accounts that appear in this list was never authorized to report on my credit, and is hurting me. 

Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : Collection XXXX This is not mine. 
Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : Collection XXXX This is not mine.
Product: Debt collection

My debt was paid off. When I have tried to dispute this with XXXX, I am unable to log into my account. It will claim I don't have an account with them, but when I attempt to create an account, they say my info is tied to another account. I called them months ago when the the debt was originally paid, and they said it would be removed from my account. It hasn't been yet.
Product: Debt collection

they sent a debt collection notice in 2015 and I sent them a request for validation all I got from them was a print out name and address and some lab work report that I don't even know for what was that plus that print out didn't even looked legit, I did a search on that turned out to be out of state service that I never received, contacted them for lab documents and blood test or anything that shows they belong to me never heard from them. they hurt my credit and I wasn't even able to get a home loan because of that. 
now 6 years later its still there so I decided to make some effort and pay the {$660.00} out of pocket for something that doesn't belong to me and sent them a letter for full payment in return to get that removed from my credit report yet never heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score. It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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, - This account is being reported inaccurately, please remove this from my credit report immediately 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: Credit reporting or other personal consumer reports

I had purchaced item from Amazon.com. item came box damaged and the item was broken monitor. i had send it back to third party, it was received but never given credit. I had complained twice to Amazon, nothing was done. I had complained to Syncronicity credit card, i got nothing. I had filed again with credit card again. so far noth9ing is done. I have send credit card all info I just mentioned with receipts, which im forwarding to you. Please check it out and if anything is need more, if I have i will send you. Tnx
Product: Debt collection

On XX/XX/XXXX. 2023 I received from a request for judgement in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The XXXX is XXXX XXXX XXXX XXXX. Regarding a Credit Card. In the amount of XXXX, In the complaint they threaten me by taking my home, vehicle, They wanted me to disclose my checking account #, if had any assets, jewelry, guns any of value. They wanted to show my bank statement, proof of income. The money I receive is Social Security I am XXXX years old. I answer in the court that this all I received and I sent a copy to lawyer, certified receipt requested on XX/XX/2023. Then in XX/XX/2023 they filed another complaint wanting same information
Product: Mortgage

My loan with Stearns got sold to XXXX XXXX and i was notified lass then 2 weeks before transition kicks in. I've seen online that they should be notifying about this atleast 2 weeks prior. 

Stearns lending XXXX XXXX XXXX XXXX XXXX VA, XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I just filed Complaint XXXX for the exact same reason when I got a call From Wells Fargo stating they are also voiding my new card the number I will enclose for the exact same reason.
Product: Debt collection

I had a joint credit card account with my ex partner from 2002 with XXXX XXXXXXXX XXXX listed as XXXX. I have not seen or heard from them in over 16 years. I am not to be held responsible for his spending since I left in 2002. The bank won't take my name off without his approval. Again, I haven't had any contact in over 12 years and I want this off my credit report.
Product: Credit reporting or other personal consumer reports

The balance keep getting updated and this account is over XXXX XXXX XXXX and this should hav been paid off by insurance back in XX/XX/year> and i have been disputing isince.
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 : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>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 XX/XX/year>
Product: Debt collection

On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. About a purchased debt from the original creditor XXXX XXXX, in the amount of {$1500.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report I went as far as asking to speak with the Vice President of the company and they refuse to transfer my call I constantly asked them to removed the debt with no proof it belongs to me. I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.
Product: Debt collection

Greetings, My name is XXXX XXXX. I was Involuntary discharge from the XXXX because of XXXX and because of hardship I got caught in Debt. and I decided to enroll to a debt settlement program the debt settlement program paid the XXXX XXXX XXXX XXXX in the amount of {$5800.00} taken out from my XXXX payments from XXXX XXXX. I did accept the settlement offer for some reason the XXXX XXXX XXXX Bank continued to sell me to the debt collector the Viking Client Services. and they change the account number now they want me to pay {$6200.00} now I feel so stressed and I do n't know what to do.is there anything that you can help me. I will disclose the involving party their address and telephone number. 

XXXX XXXX XXXX Bank Viking Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel. # XXXX XXXX Tel. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Tel. # XXXX
Product: Mortgage

Ive have been working on refinancing my house since last year of XX/XX/XXXX, Ive assumed the loan and removed my ex -co borrower I was contacted by Calliber home loans team to refinance my house, I told them the situation were I had a court judgment entered from the judge for the ex borrower to sign a quit claim deed, Calliber advised me they would handle the situation in XXXX of XXXX I got a closing date from them 4 different times, they XXXX the processor and XXXX told me that the signing from the ex is all we needed to move forward to close, I told the ex borrower if he signed off I would sign off on a satisfied judgment of the amount the was entered against him for XXXX so I could close on my house the next following day! Come next day they Calliber told me they were going to close me out on the flowing Saturday never happened I got a email stating your 3 day waiting period has started, I was supposed to close on XX/XX/XXXX then they changed to the XX/XX/XXXX then today I get a call stating they cant close me out! Something is wrong something is not right I removed him off my loan and now my title, they are telling me income verification when I was promised 4 different closing dates! Id like them to be held responsible for my XXXX $ for misleading me and misguiding me, and also pay off my loan since they wont refinance me, its not my mistake someone dropped the ball and they cant fix it and I need help, also the city gave me a tax deduction due to property taxes going up, but yet they still are making me pay them, I have more documents and emails and proof! I want justice
Product: Mortgage

WELLS FARGO MAINTAINED A FORECLOSURE SALE DATE ON MY PROPERTY THROUGHOUT THE MODIFICATION TRIAL PAYMENT PERIOD. SET FOR XX/XX/XXXX THE SALE DATE STILL ON. XXXX PAYMENTS MADE ON SCHEDULE. 
ALSO FLOOD INS. TAKEN OFF BUT STILL REQUIRED TO MAKE PAYMENTS WITH FLOOD INCLUDED IN THE ESCROW DOLLARS. LOAN WAS NEVER A DEFAULT WELLS SENT XX/XX/XXXX PAYMENT BACK SAYING THEY WANTED ESCROW MONEY INCLUDED ON MY NON-ESCROW LOAN WHICH I PD EXTRA FOR THE NON-ESCROW TERMS. FARGO DID SO WHEN THEY WERE NOT EVEN THE ASSIGNED THE SERVICING RIGHTS UNTILL XXXX PLUS XXXX DIFFERENT SPOC IN PAST 8 MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$0.00}.