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

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX  XXXX bankruptcy voluntarydismissal XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Below is a summary of the fraudulent accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks XXXX Ca - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I submitted an application to refinance my condo in XX/XX/2020 with US Bank. I have not closed on this loan yet. They ordered the wrong appraisal and had to do another appraisal which took many weeks. I still have not received a copy of the appraisal. I have not received a conditional approval. I had to order a condo questionnaire and they gave no guidance as to the type questionnaire to order. No form was sent to me. I ordered the approved US bank condo questionnaire and it cost {$300.00} and now they are asking for a different form. Again with no guidance. I am at a loss as to my next step. I have asked for the supervisor to call me on several occasions and no calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the data breach in XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( XXXX ),XX/XX/XXXX ( Equifax ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX XXXX XXXX as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXXI sent a validation letter to XXXX XXXX XXXX XXXX XXXX with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called Equifax and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
Product: Vehicle loan or lease

After XXXX XXXX when the vehicle was taken, I reached out to the company for a full list the expenses that were incurred and to whom the would be paid to. Instead of providing me this, they conspired with the intermediary company and the tow truck company to assess fees and charges that were not agreed to or part of the original repossession process. I asked for my funds back and to be credited appropriately and they acted in bad faith, along with federal agents ( XXXX XXXX XXXX ) who asked them to assess fees and charges to attempt to entrap in a fraud scheme, instead of acting in good faith and according I, the customer, with the respect, dignity, and fiduciary fidelity accorded to me as a customer and them as merchants,
Product: Debt collection

I received a notification from CCI,  Contract Callers Inc. indicating I had an alleged debt with this company. A certified request was sent to this company to validate this debt and no other communication was received from them. As of this Friday, XX/XX/18 this company reported this debt to my credit profile without proper validation.
Product: Vehicle loan or lease

I signed a lease with XXXX XXXX on XXXX XXXX XXXX and the lease was signed by both parties that the first payment and every payment thereafter will be on the XXXX of the month I have made each payment by the latest the XXXX of the month everything was fine till the XXXX statement where they changed my due date to the first of the month and gave me a late charge of XXXX after numerous phone calls to XXXX they state they can just change it to the 1st without notice and wont change it back they have broken the terms of the lease we signed and Imwant it changed back or they can take their car back. Please advise me of my rights in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation/reinvestigation of information Ive disputed on my credit report ; therefore, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure aligns with my experience, where XXXX failed to correct or remove disputed items despite the overwhelming evidence Ive provided which resulted in ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts and information ; as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card

TD Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with TD Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. 
Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. 

If TD Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent many hours online following the directions to dispute inaccurate information on my Equifax credit report and on multiple occasions now when you get to the end and hit submit it tells you they're having problems identifying me and try ago later, or says you timed out, try again later, etc. There's always an excuse for them not to accept any disputes to their credit report, when in fact there are several. I never had any issue disputing discrepancies with XXXX, but Equifax makes it an impossibility
Product: Checking or savings account

In XX/XX/2022, I sent two checks from two separate XXXXXXXX XXXX accounts by mail to a family member. These checks were stolen somewhere in the transit process, and were deposited into the same bank account at Bank of America in late XX/XX/2022. The checks were not endorsed, and were deposited into an account with a completely different name than on the check. Bank of America proceeded to accept these checks under gross negligence. The checks were for {$2300.00} and {$1700.00}. I've attached copies of both from my bank. 

I contacted my bank, XXXX, and filed a dispute in late XX/XX/2022. Bank of America has not responded to my follow ups or my bank 's follow ups. It's been over 60 days now, which is the point that banks are required to respond and refund these stolen checks. It's now been 120 days since these checks were stolen from me and Bank of America has refused to respond and/or help. This is a significant amount of money for me that has been stolen, and Bank of America is refusing to correct their gross negligence act within the time period required by consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX  XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX XXXXodes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX  code that is still being reported on my XXXX credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX  ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( Shellpoint ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and Shellpoint and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX  code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and Shellpoint both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - Shellpoint closed/paid in full after sale on home XX/XX/XXXX.
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.C1681 section 602A. 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.15 U.S.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

Navy federal wont send me any of my ACTUAL debit or credit cards associated with my account number or social security number. They lied over the phone on this night. To force my account to me closed
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I returned an XXXX XXXX to XXXX. I have the receipts for Drop off and Proof of delivery. 

XXXX billed me {$1200.00} for the cell phone by using my XXXX. I disputed the Payment with XXXX XXXX. I have a letter from XXXX XXXX stating that I did not owe that money. 

XXXX involved a debt collection agency. I became aware of this when I pulled my credit reports in XXXX of XXXX. I have disputes in process with XXXX, Trans Union, and XXXX XXXX XXXX. I have had no success with these disputes. It appears that because XXXX XXXX XXXX filed a verification of debt, I must wait for a dispute process that is currently based on wrong information. XXXX XXXX XXXX added their fee. The amount due is now listed as {$1400.00}. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I also filed a complaint with the FCC. I found online records of other customers with the same or similar complaints about XXXX. XXXX XXXX XXXX I requested only that XXXX stop pursuing me for money that I do not owe them and clear my credit bureau issues and write letter of apology to me. 

This long period of promises via telephone interaction has produced no results. I have a record of the calls that include XXXX XXXX and XXXX XXXX XXXX 

The latest written communication from XXXX is this email : I am sorry I missed you. I am typically available Monday through Friday between XXXX XXXX and XXXX XXXX 

Please note, this week, I will be out of the office early on XX/XX/XXXX and XXXX at XXXX XXXX  XXXX, and I will be unavailable all day on XX/XX/XXXX. On XX/XX/XXXX, I will have extended availability from XXXX XXXX to XXXX XXXX  PST before resuming my regular schedule next week I will be happy to return your message when I return. If you need immediate assistance, please email XXXX. Thank you and have a nice day! 

XXXX XXXX ( he, him his ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX, WA XXXX Direct XXXX XXXX I intend to call him on XX/XX/XXXX at XXXX Pacific time which is XXXX East Coast time. 

I want this situation resolved as soon as possible. I am XXXX  XXXX XXXX XXXX XXXX XXXX on a fixed income. My credit score will impact my ability to stay safe and healthy and to support myself as I age. Any assistance you can offer is very appreciated. Thank You.
Product: Mortgage

Received a tax bill from XXXX County in the amount of {$300.00} due by XX/XX/XXXX. Spoke to mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX and asked if I should pay the bill. Representative told me PNC Bank would pay the bill because they received it. Spoke with mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX. PNC Bank DID NOT pay the bill. Spoke with XXXX County Tax Commissioner 's office on XX/XX/XXXX and there was a {$12.00} penalty fee attached to the account. Received second tax bill for the city in the amount of {$54.00} which has to be paid.
Product: Debt collection

My check was garnished. It was overpaid. Company stated the funds would be returned to my employer. Instead, it was processed. Company is now refusing to refund my overpayment in a timely manner.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to fine 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 lagged posting of charges and credits. This issue aligns with the recent CFPB FINDINGS against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & are impacting my ability to gain credit. 


XXXX, XXXX. XXXX Date Opened XX/XX/1989 XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : MOUNTAIN AMERICAN CU Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL 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. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seeing unauthorized inquiries on my credit report today was alarming, and I dont understand why theyre there. I regularly check my report, and everything seemed fine until now. I even refreshed my browser to see if it was a mistake, but the inquiries wouldnt disappear. Im frustrated and request that you examine my documents thoroughly to resolve this once and for all.