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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging 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 into my account transactions.
Product: Credit reporting or other personal consumer reports

I urgently and respectfully request that the Credit Bureaus remove these fraudulent items from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any items listed on an identity theft report. I have diligently included these items in my IDENTITY THEFT REPORT # XXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit reports within the next 15 days, I kindly request the immediate removal of the following items : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

I have done everyone asked of me and waited over a year but Pay Pal won't let me transfer my money. This company has made money off fees from my business account for over a year. It is unlawful for any business to do this to clients or partners where there are profits involved. I need help with this issue please help me. Reference ID : XXXX contact me at XXXX or XXXX.
Product: Debt collection

RASH CURTIS & ASSOCIATES is reporting a ridiculous amount of 11 collections on my credit report that do NOT belong to me in first place. I was never a patient of Original creditor XXXX XXXX XXXX XXXX- whom I contacted and they had nothing available to provide me to prove the ownership or to validate this account. I attempted numverous times to speak to someone in person at Rush and Curtis only to be told that I need to write them a letter. Today after a total of 5 letters 3 months in I have NOT heard anything back from them. I disputed these 11 collections with credit bureaus but they sent me letters stating that rash and Curtis has validated these accounts ... how ... when I was never a patient at verity medical foundation how are they validating .THIS IS FRAUD .... today I was given a message from my receptionist that rash and Curtis called asking for a payment they pretended that I advised them to call my work and have my accountant to pay these over the phone. THIS IS FRAUD ON A TOTALLY DIFFERENT LEVEL WHY WHY ARE THEY GETTING AWAY WITH THIS. I RECORDED A CALL AND WILL BE SENDING THIS TO FTC AND OTHER OTHORITIES IF THESE ERRONEOUS COLLECTIONS ARE NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY ...
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a CareCredit line of credit at the recommendation of my XXXX. The bank issuing this credit is Synchrony Bank. The initial application was made by phone, and the representative helpfully gave me a web address to be used to verify my identity ( which is pretty standard for a bank, right? ) The web address had me take a photo of my drivers ' license and then upload a video of my face to use automated facial recognition to confirm that I was the person in this photo. The website gave an error saying that it couldn't parse my ID form. 

I tried again with my passport photo, and the site was again unable to parse the image. I then called CareCredit and was told by the support representative that the site sometimes " glitches ''. She had the team clear the photo submissions I had already uploaded and suggested that I try again with one form of ID only, which I did, with the same result. 

I called back a second time to report the issue, and this time was treated with dismissal and condescension. I was told that since " the applications are pouring in, '' clearly there couldn't be an issue with the software, and the representative refused to log a bug with the software team. 

This is speculation, but I suspect the issue was because 1. ) my drivers license is from Oregon and it 2. ) has a sticker on the address to indicate that my address was changed, the software is having trouble parsing the image. But instead of offering more standard methods of identity verification or looking into the software issue, the credit request was categorically denied, which impacts my credit history.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries, and I have no connection to the listed creditors. I urgently request that they be removed from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Description of Events Leading to Credit Profile Inaccuracies On XX/XX/XXXX, at approximately XXXXXXXX XXXX I conducted a comprehensive review of my credit report. During this examination, I identified multiple inaccuracies present within my credit profile. Specifically, I observed discrepancies related to five distinct XXXX : Account 1 XXXX XXXX XXXX XXXX XXXX - Date Opened : [ XXXXXXXX XXXX XXXX ], Amount : [ {$780.00} USD ] Account 2 : [ XXXX ] XXXX Date Opened : [ XXXXXXXX XXXX XXXX  ], Amount : [ {$1000.00} ] Account 3 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$3500.00} ] Account 4 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX XXXX  ], Amount : [ {$5500.00} ] Account 5 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$5500.00} ] Account 6 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX, Amount : [ {$5500.00} ] Account 7 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX XXXX XXXX, Amount : [ {$7500.00} ] Account 8 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$4300.00} ] Account 9 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$5500.00} ] Account 9 : XXXX XXXXXXXX XXXX XXXX XXXX  - Date Opened : [ XX/XX/XXXX ], Amount : [ {$890.00} ] ] Account 9 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX  ], Amount : [ {$5500.00} ] Account 10 : [ XXXX ] - INQUIRY Date : [ XX/XX/XXXXXXXX XXXX  ], Account 11 : [ XXXX XXXX XXXX ] - INQUIRY Date : [ XXXX XXXX XXXX ], Upon this review, it became evident that the information associated with these accounts is inaccurate as per my financial records and the agreements entered into with respective creditors. The discrepancies include misreported account names, incorrect dates of account initiation, and inaccurately stated amounts owed. 
These discrepancies have raised significant concerns regarding the accuracy and integrity of the information within my credit profile, potentially impacting my financial standing and credibility. 
I am undertaking the necessary steps to rectify these inaccuracies by following the appropriate dispute resolution procedures outlined under the Fair Credit Reporting Act ( FCRA ) to ensure the correction of these erroneous entries in a timely and accurate manner. 
Enclosed within this correspondence are copies of supporting documents that validate the accurate information regarding these accounts in my possession. 
I am requesting a thorough investigation into these discrepancies and the immediate rectification of the inaccurate information contained within my credit profile. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX. 

This description outlines the specific date, time, and nature of the review of your credit report and details the identified inaccuracies concerning the accounts in question. Always ensure to tailor such descriptions with accurate information before submitting them as part of your dispute process.
Product: Debt collection

This company by the name " Veripro Solutions '' has sent me notifications about a balance that they claim that I owe them. I have told them many times that I don't know who they are. I have NEVER signed any documents with this company, PERIOD. When I spoke to XXXX from Veripro 2 weeks ago, I asked him to send me proof that I owe them this debt and I haven't received that documentation as of yet and he told me that I should see it within 48 hours of the day I spoke to him 2 weeks ago. 

I received documents about this debt from Veripro Solutions about 3 months ago that showed that they had forged or manipulated a loan document to put there company name in place where another company had their name. When I asked XXXX about the manipulation of the document, then XXXX stated that this is not unusual for companies to do when they take over a loan. 

Not to mention the original amount of the loan was {$33000.00} but yet they are sending documents with a balance for {$72000.00}. This is crazy to me. The document is showing that they are adding {$10.00} per day as interest. 

The original company : XXXX XXXX XXXX in 2003 for {$33000.00} Veripro has photo shopped the document to replace their name where XXXX name was on the documents. 

Please assist me in getting this matter resolved. 

ALSO PLEASE DO THE MATH.. THE MATH IS NOT MATHING I have included statements and documents.
Product: Credit reporting or other personal consumer reports

Inaccurate information is being share on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

talked with bank on auto loan that was paid off as of XX/XX/2017 but the bank is saying that i still owe on the vehicle, plus showing late payments on credit reports. However i have vehicle title and letter from bank that show that the car is paid in full. I have contacted the bank and all three credit reporting agencies, and have send this proof to the the credit reporting agencies to correct this error. But they are siding with the bank and reuse to remove the negative info. They are still reporting incorrect information and will only listen to the bank while i have sent the info via the credit reporting agency web site or via fax to them. They will not remove it and will not allow me to file another dispute to have them correct this data.
Product: Debt collection

XXXX XXXX is showing up multiple accounts in the same month.ive contact the company and they refused to send me proof with identity and signature from me.the account 's do not belong to me
Product: Debt collection

On XX/XX/2018, I filed a complaint regarding the unprofessional conduct at Midwest Service Bureau with the Consumer Financial Protection Bureau. While completing the complaint I inadvertently activated the auto-fill feature on the family computer which auto-populated the address and changed the name from XXXX XXXX to XXXX XXXX XXXX. 

In the initial complaint number XXXX that I filed a complaint against Midwest Service Bureau due to their unethical conduct. Specifically, the clear conflict of interests in accepting accounts that Midwest Service Bureau engages in and the coercive positions it places consumers in.

In my initial complaint, I made a reasonable request that Midwest Service Bureau close the account due to the conflict of interest. Their response was nothing more than defamatory and libelous statements provided to the consumer financial protection bureau without providing any response to the request to close the account or an answer to the dispute. 

Additionally, not only do the statements about my son not only have nothing to do with the heart of the complaint the statements are both unconscionable and highly irregular. As such, the statements provided to Midwest Service Bureaus response both make a mockery of complaint process with the consumer financial protection bureau as well as show a clear need for federal and state oversight. 

Finally, it would appear that I do not have the same rights as any other consumer when it comes to filing a complaint with the appropriate regulatory agency. I say this because I filed a complaint against Midwest Service Bureau and instead of addressing the actual allegations Midwest Service Bureau instead engaged in frivolous assaults on my son. Does this mean that I can not make a complaint regarding unethical behavior without having to fear retribution against me or my family?
Product: Credit card

On XX/XX/, I contacted card issuer requesting more information on XXXX unrecognized transactions on my card totaling an excess of {$5000.00} dated XXXX and XXXX 

It has been 10 days since my original contact and card issuer has failed to explain or provide any additional information whatsoever about the transactions. 

Furthermore : XXXX. My credit limit was already maxed out before these unrecognized transactions were made. However after the transactions, my credit limit seems to have grown to automatically accommodate the fraudulent charges, which were not authorized. 

XXXX. I have failed to reach the credit issuer company at the provided phone number of XXXX. Calling said number results in an out-of-office message. 

XXXX. Card issuer has still not blocked my card or taken customary account protection steps. 

I have enclosed the full chat history with card issuer, where only have I been able to reach them.
Product: Credit reporting or other personal consumer reports

Please see the attached affidavit and remove the following account from my credit report due to FCRA violations. You also failed to enter a notice of dispute on my credit report 30 days after the items were disputed. XXXX and XXXX have removed the following accounts pursuant 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Equifax is a multibillion-dollar company without any competition and a huge amount of life changing power over tens of millions of consumers. In return they need to have proper oversight as they have not done with me. 

Enclosed is false information with XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

To Date : XXXX XXXX - I have received no reply from Foreclosure Attorney for Lender and Loan Servicer regarding my most recent, ongoing written correspondence concerning these matters. 

Specific Disputes : Foreclosure Attorney and their Client Engaging In Recognized Fraudulent Real Estate Foreclosure Activities. 

Related Issues : - Amount due is unsubstantiated and grossly inflated ; substantial fees include legal fees and prior irregular record of payments to account - Payable Lender, Servicer, Mortgagee Fraudulent Assignment Activity, do not coincide with Public Records and remain unproven, unsubstantiated as per 2 Qualified Written Response Requests - MERS Inactive - Assignments on Public Record ( 4 ) Attached - XXXX ( XXXX XXXX on bottom right XXXX Assignment & Recorded Name Error ), XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports to find that XXXX XXXX sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.
Product: Credit reporting

I have unauthorized inquires on my report, I call and sent letters with documentation stating that the inquires where not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$1400.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

taking more than 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

TransUnion Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( XXXX ) and unauthorized credit inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on my TransUnion credit report for over 60 days. 

I submitted the following documents to TransUnion : FTC Identity Theft Report XXXX Police Report ( XXXXXXXX XXXX XXXX XXXXXXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, TransUnion has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with TransUnion and uploaded all required documentation. 
TransUnion responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with TransUnion since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year> 2024
Product: Vehicle loan or lease

I recently purchased a used vehicle, and the dealer recommended I use TD Auto Finance as the lender. After securing the loan, I enrolled in TD Auto Finance 's Auto Pay Program, and received confirmation via letter of the same shortly thereafter. The letter in part described that " We will deduct {$1100.00} for your TDAF account beginning with your XX/XX/2021 payment and on the XXXX day of each month after that ... '' Subsequently, I received the SAME exact form letter every single day for the next 2-3 weeks in the mail ( and are still receiving said letter ). I contacted customer service at TD Auto Finance and inquired as to why this was occurring, and to ensure that there was no issue with my upcoming XX/XX/2021 payment. The representative at that time said I was one of several calls she had received that week with the same issue, being multiple form letters received in the mail. She assured me this would cease. It did not. Of a more serious nature, however, is that the payment was never deducted as agreed. On XX/XX/2021 I telephoned TD Auto Finance customer service again and inquired as to whether the issue was on my end. At which time I was advised that it was an internal software issue, that multiple debtors were affected, and I would be assessed a late charge for failing to make the payment on time.
Product: Credit reporting or other personal consumer reports

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake.

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.