23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I hope this message finds you well and you've had an enjoyable weekend thus far. I am writing to formally request a reconsideration of my recent credit card application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I believe was denied based on a potential error. Possibly based on the time I applied in the morning, after talking to employees, or an inaccurate XXXX score. I have been an enthusiastic member of the Navy Federal Credit Union family since XX/XX/XXXX, shortly after my son 's birthday, and I have valued the exceptional service and support provided throughout nearly three years. Navy Federal has been a part of many significant moments in my life, and I look forward to continuing this relationship for many more years to come. 

I am unsure of the specific reason for the denial, but I would like to provide additional information that may not have been fully considered. The most recent account opened on my consumer credit report is a Navy Federal Loan ( Account No. XXXX ) for {$30000.00}. This loan was opened a few days after my birthday on XX/XX/XXXX, and I have diligently repaid it, leaving a remaining balance of just {$95.00} and a current utilization rate of 1 %, according to XXXX. 

Additionally, shortly after my birthday, my XXXX XXXX XXXX XXXX ( Account No. XXXX ) was opened on XX/XX/XXXX. This card has a limit above {$10000.00}, with a current utilization rate of 1 % according to XXXX. I have never missed a payment. My responsible management of this card reflects my commitment to maintaining a positive credit relationship with Navy Federal. 

My overall credit utilization across all cards is less than 3 %, according to both XXXX and XXXX as of XX/XX/XXXX. This demonstrates my disciplined approach to credit management and financial responsibility. Furthermore, I am proactively addressing any negative information on my credit report in Federal Court for violations of the Fair Credit Reporting Act ( " FCRA '' ), and opposing counsel for XXXX is currently having settlement negotiations. 

It is also important to note that XXXX may have failed to accurately report my cashRewards card, which could have negatively impacted my credit evaluation, or there was a systematic error with XXXX, and Navy Federal potentially did not receive the updated credit report early in the morning. I have included images and documentation to support this claim. 

Looking ahead, I plan to apply for an auto loan with Navy Federal and eventually secure mortgages through your institution. I trust that Navy Federal will continue to be a part of these important milestones in my life. 

Given my solid track record with Navy Federal and my overall financial stability, I kindly request a reconsideration of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am confident that a review of my current credit report and financial behavior will affirm my suitability for the credit card and not potentially be triggered by a computerized system. 

Thank you for your time and consideration. I look forward to a positive response and the opportunity to continue building a strong financial relationship with Navy Federal Credit Union. 

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

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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

I am writing to address the issue of unauthorized hard inquiries that have been reported on my credit profile, which I previously brought to your attention via mail. I submitted a dispute letter outlining my concerns regarding the inaccuracies and fraudulent nature of these hard inquiries. 

-- -- -XXXX -- -- - XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XX/XX/XXXX ( XXXX ) -- -- -Equifax -- -- - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
. 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

Company has deliberately listed my account 30 days late in XX/XX/2019 when it was not, payment was made XX/XX/XXXX to XXXX balance and company has yet to update report. Requested twice for correct information and company has not updated information to credit agencies hindering mortgage purchase
Product: Mortgage

In XXXX of XXXX we paid off our mortgage at Huntington as is reflected and acknowledged in Huntington 's letter to us dated XX/XX/XXXX. 
In XXXX of XXXX the XXXX XXXX Clerk inadvertently forwarded the unrecorded Satisfaction and Huntington checks payable to the Clerk to our home instead of Huntington, with a cover page indicating Huntington failed to provide a recording cover page, recording information for chain of title, and the funds Huntington forwarded to the County Clerk were also insufficient. 
Upon receipt of these papers from the XXXX XXXX XXXX, we immediately forwarded the papers to Huntington so that they could provide the XXXX XXXX XXXX with the proper documentation and funds in order to have the Satisfaction of Mortgage recorded. 
In XXXX of XXXX we called Huntington and received no answers to our questions. We thereafter sent a letter to Huntington requesting that they provide us with the status of the Satisfaction of Mortgage. We again received no response. 
In XXXX of XXXX we called Huntington and spoke with a woman who advised us that our file had a notation dated XXXX that Huntington was waiting to hear from the County about an Affidavit for a chain of title and that Huntington had to order title work for the chain of title. 
After making a few more phone calls with no responses, we wrote to Huntington in XXXX of XXXX outlining their failure to provide a properly recorded Satisfaction of Mortgage. Again - no response - written or otherwise. 
In XXXX of XXXX we sent an email to Huntington requesting that they have their legal department contact us immediately to advise us of the status of the Satisfaction. Again - no response. 
Several more calls were made with no response. 
In XXXX of XXXX when we called we were told by XXXX XXXX XXXX that he was unable to view our profile because he was only able to go back 2 years! We were asked if we contacted XXXX. We advised him that we had done so with no response from Huntington. We were then transferred to his supervisor " XXXX '' who indicated that he would contact the lien release area to have them refile the Satisfaction. 
We have called, we have written, we have emailed. 
Huntington has dropped the ball constantly and it has become beyond frustrating at this point. We are 3 years out and we still have no Satisfaction of Mortgage!
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry from XXXX XXXX XXXX Bank on my credit on the XXXX of XXXX. I contacted the Creditor reporting the information and was told by them to make a police report and reach out to FTC, which I did. I also called TransUnion directly and they said the unauthorized inquiry would be removed in 14 days but it's still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute registerd mail with return receipt ( stamped received XXXX XXXX ) to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute was just opened today XX/XX/2022, after receiving previous Cfpb complaint about the investigation never being started
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$20.00}
Product: Debt collection

A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXof XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXXin the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} onXX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

from : XX/XX/2021 to XX/XX/2021 paid creditrepair.com to help with my credit score. by removing derogatory remarks and to make my credit score number to appear and be available. 


need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWING AN LOAN ON MY XXXX, XXXX  AND XXXX THAT IS NOT MINE
Product: Credit card or prepaid card

I am the trustee for my parents estate. I spoke with Costco Citibank to close my mother 's account on XXXX XX/XX/2022. 

Subsequent to the credit card closure, there were additional charges made on this account. This card had been set up for autopay from a checking account, and I realized the discrepancy when reconciling the monthly checking account statement. I do not have copies of the XXXX and XXXX statements to determine whether the charges were fraudulent or not. When I called to inquire, I was advised that documentation needed to be filed ( Death Certificate and the Certificate of Trust identifying me as the executor ) before anyone could speak with me. 

The documentation was filed on XXXX XXXX XX/XX/XXXX ( see attached letter ). On XXXX XXXX I received a letter from Citibank acknowledging they received my letter, but did not address my request for statement copies. 

Numerous phone calls have been since, all with a promise to expedite the request for the two XX/XX/XXXXstatements, and have not received anything. 

On XXXX XX/XX/2022 I spoke with the Probate Department again, and was advised that the area that would provide me the statements does not have a contact number ( phone or mail ), and the most they could do was to put in another request to expedite the request. I also spoke with Citibank Customer Service agent, and was advised they could do nothing to help me - that the Probate Department was the only entity within the company. I sent another written request for the statements, noting that if they were not received in 10 days a complaint would be filed with the CFPB ( see attached letter ).

As of this filing I have not been contacted by Citibank to resolve this issue. My hope is that filing with CFPB will prompt a resolution ; and five months is long enough!!
Product: Debt collection

Ive tried to dispute the debt on the credit bureaus as I have no knowledge of debt. I have sent a letter to the collection agency asking for proof of debt or a contract as I have no knowledge where the debt originated or what they are trying to collect the debt for. As of yesterday my letter was rejected and sent back. I sent the letter inquiring proof to the address listed on my experian account. I am now questioning if the company with this alleged debt is a real one.

Accroding to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This alleged debt is tuning my credit score unfairly may I add because I had zero knowledge of a bill for it to even make it to a collection.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX : # XXXX has violated my rights. 

I looked at my XXXX, XXXX and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.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 accoun
t without my Written Instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Prepaid card

I went to withdraw {$300.00} from my rushcard at the XXXX in XXXX NY on XX/XX/2017. The atm was out of money and I never received my money. The representative at the XXXX customer service desk called the atm company, but they were closed. She provided me with the number. I call them on XX/XX/2017 at XXXX and was informed that they were aware of my issue due XXXX contacting them this morning. The rep said she knows i didnt receive the money. They requested that I contact my card holder and ask for a provisinal credit and they would be waiting to here from them to confirm that i didnt receive the money. I reached out to rushcard at XXXX. I was informed that they needed to submit a dispute and have the form sent to me, to sign and fax back. It will then take 10 business days before i would receive a provisional credit, ( CRAZY )! I provided them with my email address which they have on file, already. I did n't received the form, so I called back at XXXX. A rep resubmitted the request and told me I had to wait up to 6 hrs to receive the form. The previous rep did not tell me this. I tried calling them again at XXXX and again at XXXX. Thinking I should have received the form already from the initial request at XXXX. It is currently XXXX and I have not received the form. But yet received surveys for my calls I made to them within minutes. At this point I do n't want the form, I would like to have my money credit to my card and my account closed down with them as this is n't the first incident I 've had with them. They can contact the atm service at XXXX and verify that the money was not received and credit my account. This is bill money and I would like rushed to cover all fees associated with this bill being paid late.
Product: Debt collection

On XX/XX/2021, I sent a letter to Capital One letting them know that i had recently learned someone had opened a credit card under my name with their company. They refused to acknowledge stating i had not sent sufficient proof. Therefore, I sent another letter along with my police report and my identity theft affidavit and they once again refuse to acknowledge by sending the same letter. Capital One is violating my rights as an identity theft victim by failing to do a thorough investigation and sending me generic letters to cover their part in saying they responded within the limit. I am attaching the letter I sent to them along with their generic letters.
Product: Checking or savings account

Im XXXX of XXXX  I was selling a piano on XXXX XXXX. Someone messaged me interested and wanted to pay through XXXX. The transaction went through and I later learned/realized it was a scam. I immediately called XXXX with no help and I called JP Morgan Chase to have them all help. They put the claim through but because it was a scam they could not help me get back my money. Because I fell for the scam I lost out on {$500.00}.
Product: Money transfer, virtual currency, or money service

There was a transaction on XX/XX/2022, that I did not authorize on my Paypal account for {$220.00} converted to Thai currency. The recipient was ( XXXX ) The transaction description was in broken XXXX. 

I got the point outr was a lot more money to go to get to my house I do not know anyone in XXXX and I did not purchase anything online. 

I immediately called Paypal to dispute the transaction, but they ruled that it was not unusual activity and would not reverse the transaction. 

I also called my bank to inform them of the situation. In order to stop any withdrawals from paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquires that I have no knowledge of, Here are the inquires that I've found XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Please remove these fraudulent inquires from my credit report, I attached my identity my identity theft report as well.