23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, I applied for a mortgage loan with Navy Federal Credit Union ( NFCU ). Shortly after, I was able to see a pre-approved amount of $ XXXX within my online banking. The application was not yet complete. I had to gather more documentation from my job 's HR department. While doing this, I started getting symptoms for XXXX and ultimately XXXX  XXXX. I was feeling very ill for weeks. Once I was able to complete my application, I provided all the correct documentation. I was denied by loan officer, XXXX XXXX. 

I attempted to contact her multiple times by phone and left messages after I found out I was denied. I received documentation stating that it was due to my credit and incomplete application. XXXX XXXX never returned my phone calls, so I sent her an email. She finally contacted me back. She directed me to send an email to appeal the decision and she would get back to me. I sent in an email as requested. She let me know that my application was actually completed but, I could attach additional information if I wanted. The comment about the application being incomplete should have never been inserted. I decided to attach my 401K balance just to show additional funding even though my consumer accounts held more that 15k at the time of my application. 

Along with additional funding, I sent in an explanation of why the mortgage would help. I was trying to relocate to the XXXX XXXX  and wanted to stay in an inexpensive first-time home. This would eventually help me be a home owner and I could one day rent the home for additional income ( creating wealth ). 

This created another waiting game. I had to contact XXXX XXXX again and again. She finally contacted me back and let me know that I was denied. I asked why and she stated it was because of my credit. I asked for details and she then changed and stated that it was because of a delinquency. I did not have any outstanding debt at the time of my application. I continued to ask for details. She then states my credit score was actually ok and that it may be because of a past debt. I told her again that I did not have debt and had not had a late payment in years. She apologized. She sent another denial letter and it basically stated again that my application was not complete and because of my credit score. This let me know that she was taking it upon herself to deny my application and did not properly escalate my appeal. I was discriminated against. I believe due to my race, illness, and the area that I wanted to live in. 

I attempted to contact NFCU again in XXXX of XXXX. The representative stated that XXXX XXXX must have deleted my application because he could not find it. Then I was emailed another duplicate denial letter directly by XXXX XXXX. She intentional is trying to hold me back from financial gain due to her own beliefs and prejudice. 

Shortly after the denial of my application. NFCU began sending me pre-approval letters for mortgage and I still receive them to date. My credit and income had not changed however, I received these offers over and over.
Product: Debt collection

NCB Management has an open account on my credit reports the debts reported on my credit report are invalid for the following amount {$1600.00} this account was included in my XXXX XXXX bakruptcy which was XXXX on XX/XX/year>. They are reporting on all XXXX credit reports as open and need to be removed immediately. I have contacted several times with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is misreporting joint auto loans on both mine and my wife XXXX XXXX 's credit reports. The account defaulted over 7 years ago, were sold to a collection agency, and should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize this inquiry on this date. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and transunion have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX - {$470.00} XXXX XXXX - {$480.00} Credit collection services- {$480.00} XXXX XXXX XXXX {$530.00} XXXX funding - {$600.00} Credit collection services- {$650.00} XXXX XXXX  - {$690.00} XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$1600.00} XXXX - {$4400.00} XXXX  - {$1200.00} XXXXXXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX  {$390.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX  - {$3700.00} XXXX  - {$7500.00} XXXX XXXX  XXXX {$52.00} Ccs collections XXXX {$470.00} Ccs collections - {$690.00} Ccs collections - {$740.00} XXXXXXXX XXXX  - {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, 2017 I have been trying to dispute inaccurate information on my Equifax credit report. I have been unsuccessful at opening a dispute due to the online dispute portion of the Equifax website being " temporarily unavailable ''. I have tried several times a day since X/XX/17, and as of today XXXX  the Equifax online section to submit a dispute is still " temporary unavailable. On X/X/17 I called Equifax to inquire about the technical issues on there site. The Equifax representative informed me that he  could open a dispute over the phone. I was then asked questions to verify my identity. I then Informed the rep that I wanted to now put someone else on the phone who I authorized to speak on my behalf to better explain the reason for my dispute and give all supporting details for me because the Equifax rep was having trouble understanding many of the things I was saying, because of my accent. The Equifax rep told me that even though I felt that I could not fully explain myself, he was unwilling to speak to anyone else but myself even though I authorized it. I feel have not been giving a fair chance to dispute this hurtful inaccurate information in a timely matter, because # 1 the dispute portion of the website has been down for several days and counting, # 2 the Equifax repesenative refused to let me hand the phone to someone who would speak on my behalf to to open a detailed dispute without a language barrier in the way. I have yet to be able to open up a dispute. I feel like I was treated unfairly and not given the same opportunity as others to open a dispute and have detailed information verbally given to support my claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I was dismayed to find an unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/year> on my Experian consumer report. I did not authorize this inquiry, and I politely request that it be deleted from my consumer report immediately.This unauthorized inquiry is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). As a consumer, I did not grant any permission or provide any written instructions for this inquiry to be placed on my consumer report.Under the FCRA, 15 USC 1681b - permissible purpose of consumer reports, the law clearly states : '' Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. " I did not provide any written instructions to include this inquiry on my consumer report. Therefore, Experian 's reporting of this unauthorized inquiry is a direct violation of the law.I kindly request that you delete this unauthorized inquiry from my consumer report and provide me with an updated copy of my credit report once this correction has been made.Thank you for your prompt attention to this matter.Sincerely,
Product: Debt collection

Synchrony issued a refund to me on XXXX  for {$620.00} as they wrongfully took that amount out of my bank account after I enrolled in a program where I would only be paying {$53.00} a month. I tried to set up the auto withdrawals and they blocked my ability to use the app and when I called the number to get this removed, I found that they had added an additional {$620.00} to my balance. Synchrony thinks I wont notice and would pay that amount but I tried calling them and they said they were closed on the automated line.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX  days 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 XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit card

I applied for a home mortgage recently to find out a fraud Credit Inquiry from TD BANK USA/TARGET C on XXXX/XXXX/2016,. this pul effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, Would like Inquiry removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it shows I have an missing payment in XX/XX/2017 which I think is an technical error on bank system because for 2 years before and after that it's always been on time.
Product: Credit reporting or other personal consumer reports

I found an account on my report that did not belong to me, which seems to have appeared XX/XX/XXXX. Ive contacted Chase multiple times and have not gotten a solution. Ive disputed this with all XXXX bureaus. This false report has caused my apartment applications to get denied. XXXX now have to offer double the funds for security deposit in order to move. Ive been trying to resolve this since XX/XX/XXXX, it is now XX/XX/XXXX. I have to move by XX/XX/XXXX. This has been a huge inconvenience as I had managed to keep a XXXX XXXX XXXX in preparation for moving to a new location.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a critical matter regarding fraudulent items on my credit report. It has come to my notice that unauthorized entries have been reported, severely impacting my financial credibility. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I promptly initiated the dispute process as outlined by Credit Bureaus, providing all requisite documentation, including police reports and affidavits, to substantiate my claim of identity theft and fraudulent activity. 

Considering the significant ramifications for my financial stability, it is imperative that you expedite the investigation and removal of these fraudulent items from my credit report. Swift action is paramount to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I hereby request the following actions to be taken without delay : Immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Assurance of ongoing monitoring and protection against potential future instances of fraud or identity theft. 
Given the urgency of this matter, I urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$87.00} XXXX XXXX  XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  Balance : {$140.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

My mortgage servicing was sold to Ditech. For the second year in a row they have asked me to provide proof of condo building insurance. It took my insurance agent several weeks to resolve this last year. Last year they bought a policy for me even though my insurance agent was in the process of trying to get this straightened out. Ditech still has not refunded {$35.00} from scamming me last year. And now they are doing this again.
Product: Debt collection

Hello, I spoke to XXXX from your law firm XX/XX/XXXX regarding my case and receiving a judgment issued on XX/XX/year> against me. I did not get a fair chance in court to argue my case which is : XXXX I've been unemployed over a year now battled severe health issues XXXXXXXX the only income I receive is XXXX XXXX  monthly governmental aid, which legally you are not entitled to, nor can take XXXX Ive reached out to this law firm multiple times explaining my circumstances and asked for the debt to be forgiven, with not reply regarding my circumstances as I CAN NOT PAY ANYTHING. 
I've spoken to XXXX XXXX XXXX XXXX  sent email correspondence, XXXX XXXX XXXX  Still no reply.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Citizens Bank allowed an ACH/pre-authorized debit in the amount of {$15000.00} from my checking account to XXXX XXXX XXXX XXXX XXXX The transaction appears on my statement to have occurred on XX/XX/year> ; however, it was not posted until XX/XX/year> at which time it posted to my statement. I have never had an account with XXXX XXXX in my entire life. 

I then went to my local Citizens Bank branch in XXXX, OH as I was unsuccessful in contacting a Citizens Corporate Fraud employee. The branch was less than helpful and connected me to a case officer at corporate ( XXXX XXXX who opened a case. I asked why they could not reverse the transaction as I did not authorize it & also asked who authorized it and I did not get an explanation. Currently my account with Citizens is frozen. 

I subsequently opened a police report with the XXXX, XXXX XXXX and also gave it to my local branch. 

It is very troubling that Citizens does not have 2 factor authentication in place to allow such a transaction to occur and that they feel it is acceptable for a {$15000.00} debit to occur. This is my second instance with Citizen 's lax security as it pertains to my account. I am hoping I can get my funds returned ASAP by utilizing this service as this is an incredible inconvenience and Citizens has zero sense of urgency around this.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 balance despite initially available funds believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/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

Good morning, I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.