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

XX/XX/XXXX I sent XXXX a letter as a rebuttal to the inaccuracies on my credit report in reference to the XXXX XXXX Account ( # XXXX ). I sent a letter detailing the errors. I sent a marked up credit report that showed information that was wrong. XXXX told me that the account was verified and did nothing ( attachments ). 

I also sent a letter to XXXX XXXX to get a print out of my account and to request an opt-out option, so the debt would not report to my credit report. 

In return XXXX XXXX denied my request to opt out, but they did include the printout of my account. As I previously disputed with XXXX to send me the " source '' of verified information. They did nothing. 

Attached, please review my accurate account information that came directly from the lien holder. 

The discrepencies are as follows : On XX/XX/XXXX a payment of {$480.00} was made. It is not recorded on my report On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$320.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded o ofn my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 

XXXX XXXX amount is incorrect. Report shows {>= $1,000,000} This is wrong.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have occurred. Insufficient funds despite having when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation of my account transactions.
Product: Credit reporting

On or about XXXX XXXX XXXX hard inquiries were deleted from my TransUnion credit report. They were placed back on my report without my knowledge or consent the next day.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked my consumer reports and found that there was inaccurate information being reported. Contained in the letter attached to this description of my case is a thorough explanation of my situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - 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: Checking or savings account

CitiBank randomly shut down my account, and are telling me I have to wait 30-60 days for a check. I literally have no other source of income as this {$1300.00} was my last. I have tried to contact them but they keep putting answering services on the line. I had just used the card an hour prior until all of my transactions were denied with no explanation. I thought it was due to me traveling that my card was flagged, but not fully shut down with no communication.
Product: Mortgage

I received a grant from a XXXX XXXX XXXX XXXX ( stay ) for six months of mortgage payments. mortgage assistance due to the corona virus pandemic. The mortgage service provider received the the payment in the amount of {$3300.00}. They cashed the check on XX/XX/XXXX th but have not posted the funds to my account as of this date. I had received a letter after a grueling ordeal that they needed 30 days to resolve the dispute. I just received another letter stating that they need another 30 days. The customer service representatives have not been kind or helpful ( especially the one I spoke with today ) I have been requested to send documentation proving the payment was received by SPS servicing and I have done so. I would like for my grant for my Six months of mortgage payments to be posted to my account. On top of this SPS has sent something to make my credit score drop XXXX points. I was told today to dispute it on the credit bureaus. I am under severe stress from all of this Thank you
Product: Credit reporting

Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$320.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX HM XXXX - XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX filed a Lawsuit in XXXX XXXX XXXX  against me and by using the last name of XXXX which I had not used in twenty years. The business attempted to serve me somewhere I have never resided at. I filed a dispute in XXXX XXXX courthouse explaining my credit cards had been compromised in XXXX and XXXX and I have not had any credit cards since this happened. I also notified XXXX XXXX XXXX that I was on Social Security XXXX and do to never making these charges I would not be responsible for the debt. On XX/XX/XXXX I received a letter stating that XXXX XXXX had decided to cease collection on the debt due to my financial situation. Fortunately, I have kept all information. On XX/XX/XXXX a different XXXX showed up at my door by the same company under my legal name suing me again for a different credit card that again I was never notified of owing or that it was ever even used? The credit cards were written off over two years ago for false charges and this is why I dont have any credit cards. Im concerned XXXX XXXX XXXX is getting old written off accounts and suing people that XXXX not know their is collection and they get a judgment in court without even knowing they have been sued. I have never had police come to my door to serve me anything. The last six months I have been served by the Sheriff and had to go to courthouse to write dispute and now after telling XXXX XXXX Im on XXXX only and their first debt is not valid here I am with a different court date on XX/XX/XXXX. I will dispute again somehow but my concern is the repeated sheriff visits XXXX is too many let alone sued two times in six months?
Product: Debt collection

Please assist, this has really been a problem that has been out of hand and I have also went through you in XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to Diversified Consultants ( mispelled on XXXX ) and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on my credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Im writing to complain about XXXX and Experian not removing a public record. I called to verify with the courthouse in XXXX, Ga and spoke with two reps, XXXX XXXX and XXXX XXXX who told me that the Us court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk. XXXX removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (  XXXX XXXX ) on three different occasion to see if either XXXX or Experian called and verified this public record and all three times they said no. XXXX, XXXX and XXXX are the months ive sent three different letters to these two credit bureaus asking them to remove these public records due to it damaging my credit profile. In XXXX I was turned down for a mortgage due to bankruptcy. If the Us bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on XXXX and Experian. Please assist me in getting these records removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXX XXXX  XXXX Balance : -.
Product: Credit reporting or other personal consumer reports

I filed a dispute overe the phone, also sent them proof ' never resolved the matter Its like the doing fake investigation. Sold a debt to this company ( XXXX XXXX XXXX XXXX ) I sent proof that the company Does Not DEBT COLLECT Licenses in the State of debt which is Georgia. I attached proof to my file
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I upgraded my XXXX XXXX XXXX to the XXXX XXXX which would have closed my current loan with Citizens One for my XXXX  and opened a new loan for the XXXX. When I received the product I decided that I did not want to upgrade and I wanted to wait until the newest phone came out so I returned the XXXX XXXX that I received and got confirmation that the phone had been fully returned and was received at their warehouse. I called Citizens One to let them know and they told me that it usually takes a few weeks for the loan to be cancelled and my current loan to be taken off of a " Hold Status '' and put back into normal payment status so I could continue to make the payments until the new phone came out. I checked back in at the end of XXXX and the loan was still on hold, I called both XXXX and Citizens one about this issue and they both said it could take up to 60 days for everything to go back to normal. I checked again in early XXXX and again saw the loan still on hold and no payments had been taken for my current loan for my XXXX XXXX XXXX that i still had. I called Citizens One again and they again told me it was an XXXX issue and that their back office hadn't sent them information to let them know that the phone had been returned and my current loan to be resumed. However, the loan that was opened for the XXXX was CLOSED and showed the refund to XXXX so I asked why this wasn't good enough to show that the phone had been returned and no one could answer my questions. I conference called Citizens One with an XXXX support specialist and the billing specialist that we were speaking to at Citizen 's One was rude and could not give us any information as to how XXXX normally goes about correcting this information and she said that we would have to figure it out on our own because it was not her job to fix XXXX XXXX mistakes. This has been going on for almost 5 full months and I am very frustrated as NO ONE from either XXXX or Citizens One can help me figure out how to correct this issue. I am filing this complaint because they are withholding my ability to make payments on the current loan I hold because of their back office communication problems. The attached documents show that the new XXXX loan number on the original invoice from my purchase is no longer open - as it has been paid off ( because the phone was returned ). There is the confirmation of receipt of return and a screenshot of my Citizens One online account showing my loan is STILL in " Hold '' Status.
Product: Debt collection

I had a past due amount of {$1000.00} to XXXX that was paid to XXXX shortly after they sent it to a collection agency, Trident Asset Management. Trident continues to report this to XXXX, XXXX and XXXX as an outstanding balance since XX/XX/2015. I have disputed the amount owed with all 3 credit reporting agencies without success. I have tried to get XXXX to acknowledge that this debt is paid and to notify Trident but all they do is pass me back and forth between their Billing and Financial departments claiming that they show no outstanding balance and that I need to take up this issue with Trident.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " 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. '' XXXX is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item XXXX is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a letter was sent to Experian CRA to remove incorrect information on 2 accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPROTING INCORRECT ADDRESSES
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being denied my free annual credit report from Experian and the weekly reports as a result of covid pandemic. I do not have this problem with XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and fraudulent items are on my credit report. I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX XXXX  XXXX XXXX presumed that no proof of the alleged debt therefore any such debt in fact exists. ( please remove these accounts before i seek litigation for defamation of character ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau XXXX, and transunion by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XX/XX/2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.
Product: Checking or savings account

A bank account was opened in my name on XX/XX/2023. Also a debit card was issued in my name and sent tomy home address. I never opened up an account not applied for a BOA account. I called the fraud department and got the account canceled. They informed me to get credit monitor or locked to prevent further fraud.