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

In 2021 I was pondering a home purchase and was considering Navy Federal as my mortgage holder, so I opened an account with them. Ultimately, I decided I did not want to buy a home anywhere and be committed to one place. However, even when I closed my NFCU account, one thing never stopped -- EVERY MONTH I received something I NEVER SIGNED UP FOR : " Mission : Credit Confidence by Navy Federal '' This spam mail, sucking space and time, is my XXXX credit report, which is utterly USELESS to me since I have no log in for NFCU anyway. I was assured when I closed my account and they sent me a cashier 's check, that all my emails would stop too. As per usual with spammy folks, NFCU feels the need to keep telling me that my credit report can be seen if I figure out how to log into my NON EXISTENT ACCOUNT. 

I am fed up. Not sure how these CFPB complaints get shown but anyone looking closely will see this is my third in a row today dealing with spamming banks or cards that I have tried for YEARS to stop.I have resolved to not wait so long anymore. I am missing important messages, cluttering my inbox, and taking too much time to deal with this baloney. Time 's up. No email should be allowed without opt-in consent. Period. NEVER EMAIL ME AGAIN, Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection from an electric company that accepted an expired state ID with my name from a scammer
Product: Credit reporting, credit repair services, or other personal consumer reports

Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a mailed XXXX form. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. 

Of the the three credit reporting agencies, only TRANSUNION, LLC is refusing to send me a copy of my annual report. 

TRANSUNION, LLC stated that they need proof of address. 

I sent TRANSUNION, LLC a copy of the postcard they sent to me proving my address. 
I sent TRANSUNION, LLC a copy of a magazine subscription proving my address. 
I correspond with TRANSUNION, LLC via my address and TRANSUNION sends me postcards at my address, proving my address. 
I also sent TRANSUNION, LLC a copy of the first-page of credit reports I received from XXXX and XXXX, again, proving my address. 

TRANSUNION, LLC is refusing to send me the free annual copy of my credit report. 

I don't have utility bills in my name. I am not going to send TRANSUNION, LLC my bank statement, canceled checks or paystubs. Transunion, is notorious for reporting wrong information on credit reports. And I don't want them providing third parties information that is not normally associated with my credit report. 

I suspect TRANSUNION, LLC has a major side business selling personal information to debt collectors. 

This is not fair. I deserve to see my credit report to dispute ANY and ALL incorrect information.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing in response to your communication through CFPB, which detailed the permissible purpose for the credit inquiry on XX/XX/2022, XX/XX/2022, and XX/XX/, associated with my name, XXXX XXXX. 

After careful review of your response, I must express my continued concern and disagreement with your assertion that the credit inquiry was based on permissible purpose under 15 USC 1681b ( a ) ( 3 ) ( A ). I would like to reiterate that, to the best of my knowledge, I never authorized nor gave written consent for Westlake Financial Services to access my credit report.

In response to your claim of permissible purpose, I formally request documented proof that I provided such authorization. Specifically, I am requesting documents bearing my wet signature, unequivocally indicating my agreement to grant permission for the review of my credit file.

The unauthorized inquiries made into my credit history are adversely affecting my creditworthiness and causing significant concerns about the accuracy of my credit report. I want to emphasize that I have had no communication with Westlake Financial Services, rendering it impossible for me to have given consent for the retrieval of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX account through XXXX Bank which was closed due to nonpayment. The past due balance showing on my credit reports is {$1200.00}. I called XXXX Bank yesterday to resolve the balance and was told that they are no longer collecting on the balance and a XXXX was issued for the previous account balance and as such, I was unable to make any kind of payment and was directed to dispute the status with the credit bureaus. I disputed the information with all three credit bureaus, and Equifax has already finished the dispute, but the reported balance was not changed and is still showing as past due for {$1200.00}. I dont understand what XXXX supposed to do if XXXX cant make a payment to resolve the balance but that it wont update to {$0.00}. It is impacting my ability to access new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, XXXX - ACCT # # # # # # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected. 
Clerical Error : There XXXX have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I was alerted via email that my information was used by a fraudster to open a credit card illegally. I asked that Current " the company who issued the card '' remove the account and provide all the details associated with the fraud and they said the police must request. I also asked that they block any of my personal information from ever being used on their site. On XX/XX/year> Current acknowledged that the fraud occurred and that they'd taken steps to shut down the account. On XX/XX/year> I received automated emails from Current notifying me that the fraudster was again trying to log in.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXXAmerican Express GoldDeceased Account Resolution TeamXXXXfax : XXXXphone : XXXXRe : Notification of Death - XXXX XXXX XXXXDear American Express : This letter is written to request after monthly phone calls since XX/XX/XXXX have failed to advance my request, please convert my husbands account back into his name. 

My husband died on XX/XX/XXXX, minutes before midnight, in essence XXXX. Less than 48-hours following XXXX death I was contacted by American Express and the representative asked for XXXX, his payment that month was late. 
I notified the representative of XXXX death. 
Let me be clear, I was under extreme duress and not represented by council. I was made to feel I was obligated to take over this account by XXXX-specific issues. 
I asked the representative on that day these questions? 

1 ) " Did I apply for this line of credit? I explained that I was an authorized user and I had no memory of applying for this line of credit. the representative placed me on a brief hold, when she returned to the phone she stated : " You both applied for the credit card. " 2 ) " Am I responsible for this credit card? I thought I was an authorized user only? '' The representative replied " yes. " Deceased 's Full Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXXAccount Number : XXXXTo be clear, I have met with Legal Council since in my opinion you are posturing in a manor which demonstrates you are impeding progress. Since inaction is your only action, I am notifying you may sue the estate of your relative or a person legally responsible to pay the debt. However, I have no obligation to pay debts I do not owe. 

Please contact me by email XXXXXXXXXXXX about any questions regarding this account. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I reapplied for mortgage repayment consideration and was rejected the day after they received the package. NO CONSIDERATION ... .They are trying to take my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a credit repair agency, I am a person that is a victim of identity theft, please attached supporting documents
Product: Debt collection

On XX/XX/XXXX, I ordered XXXX XXXX XXXX XXXX XXXX XXXX The plan claimed download speeds between XXXX and XXXX XXXX, and has 30 days satisfied guarantee policy. However, XXXX could only provide about XXXX XXXX  download speeds to me. XXXX weeks later, since XXXX tech support team could not solved the problem, I had canceled the order on XX/XX/XXXX. XXXX charged me {$27.00}, and I was told once I had returned the XXXX device, the bill would be cleared. 

The XXXX device I returned was delivered to XXXX return center on XX/XX/XXXX. However, XXXX did not clear the charge, instead it sent me a bill of {$27.00}. I contacted XXXX by calling XXXX to correct the mistake bill. The employee who received the phone call told me that she could not fix the problem because the debt is in XXXX 's collection team. So I mailed a dispute letter to XXXX 's XXXX XXXX. On XX/XX/XXXX, a person from XXXX called me said that I did review the account and apply the credit XXXX to the account to close it out with no charges due. 

However, in XXXX, XXXX, XXXX XXXX XXXX XXXX was collecting the {$27.00} debt from me for XXXX. I had disputed the XXXX XXXX  XXXX and XXXX XXXX mail me that they will no longer collecting the debt and returned it back to XXXX XXXX. 

But this is not the end of the story. Now, on XX/XX/XXXX, more than half a year, XXXX send another debt collector, Jefferson Capital Systems, to collect that {$27.00} debt that I never owed.
Product: Credit card or prepaid card

Care Credit I had a balance of {$3100.00}. Every month i send more then the mim payment. Now they send me a bill for {$1500.00} more! They advised i didnt pay the derred amount by XX/XX/2020? the payments i send they are not applying the derred amount like i was advised they would do. Now they applied {$1500.00} more in interred to the account!

they have has a prior suit for doing this in the past. When i called they were extremly rude and didnt want to hear anythign i said. I asked them where on the Statement does it say they can charge {$1500.00} in back interset? He manager says its the LAW. Its not the Law i understand going foward charging the 26.99 % interest but chraging me {$1500.00} in deferred intrest and charging me 26.99 % each month too thats unreal. wihout any explanation of this on the bills they send monthly. Not sure if anyone can help me.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

I searched on XXXX and called XXXX XXXX XXXX on XXXX to book a stay in XXXX on XXXX XXXX from XX/XX/scrub>XXXX  XXXX to XXXX  My apple XXXX XXXX  was charged during the conversation of {$1200.00} for 2 days. Im not satisfied with the price and asked the agent to cancel my reservation. I was told it was canceled. I dropped the phone and finished the conversation. I booked the same hotel stay using XXXX using a different credit card with similar price for 3 days as I check in early XXXX not XXXX  I didnt receive any confirmation text message, email of the Apple Card purchase from the vendor. I received a confirmation from XXXX. 
On XX/XX/scrub>XXXX  since the Apple Card purchase is not refunded, I dispute the charge. It hasnt resolved till now XX/XX/scrub>XXXX  after at least XXXX cycles of disputes. 
Apparently the agent telling me the reservation was canceled didnt do the work correctly. 
I completed my XXXX stay under the second reservation. The hotel and Apple Card blame me for the duplicate reservation in XXXX system which should be canceled as I dropped the phone and I wasnt notified at all. More importantly I didnt utilize the service.
Product: Checking or savings account

I filed dispute claims with XXXX on XX/XX/XXXX. The claims were denied. I then appealed to them as there were no vendors to reach and talk to directly. I since received an email that their final determination was to deny all the disputed charges on XX/XX/2022. My card was breached again and was issued temporary credits and just this past Friday XX/XX/2022 I received more erroneous charges almost $ XXXX I can not dispute them until it's posted on Monday are still pending despite every effort to stop them before the money is lost again.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX XXXX XXXX XXXX and Rise Credit. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
Product: Mortgage

SN Servicing has come forward a a stranger to title claiming I owe them money on a void note and mortgage that were cancelled with the original Creditor, XXXXXXXX XXXX  on XX/XX/XXXX, pursuant to TILA 15 USC1635. I originally made this complaint regarding XXXX on XX/XX/XXXX. 
The details : SN Servicing Corporation ( claimant ) continues to falsely claim that they are secured creditors, and claims the property, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to be encumbered by a mortgage or deed of trust that no longer legally exist. This matter is in controversy solely because the original creditor, XXXX, failed to comply with 15 U.S.C. 1635 ( b ), by filing a satisfaction of mortgage with the XXXX XXXX recorders office, after the debtor rescinded the loan, pursuant to 15 U.S.C. 1635, On XX/XX/XXXX, by sending Notice of Cancellation ( Exhibit A ). The Notice of Cancellation Pursuant to 15 U.S.C 1635 and 12 CFR 1026.23 ( d ) the mortgage that gave rise to the right of rescission, became void upon rescission, by operation of law, thus the mortgage upon which the claimant bases its claim, is void and unenforceable. Title changed the day of rescission by matter of law, as stated in the aforementioned statutes, and as per the Supreme Court of the United States case XXXX XXXX XXXX. 

There is addittional newfound evidence on XX/XX/XXXX, th XXXX, that this is a fraudulent claim that is being made by XXXXXXXX XXXX XXXX The real identity for XXXXXXXX XXXX XXXX  is still unknown. The current creditor is being listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as Trustee of the XXXX XXXX XXXX XXXX when I ran the search through the Sec government website, this Trust does not exist so there can not be a claim from a Trust that does not exist. ( Exhibit B ) SN Servicing Corporation is a Servicing Company that is out of XXXX, California, their address being : XXXX XXXX XXXX, XXXX, CA XXXX. A Servicing Company does not have any authority to foreclose. The burden of proof established by XXXX  which requires that, as a condition precedent, the claimant MUST have paid value for the underlying obligation ( not the assignee of the mortgage or the endorsee of the note ). At no time has SN Servicing proved that it has paid value for the underlying obligation in its proof of claim in United States Bankruptcy Court XXXX XXXX Of New York. Due To Constitutional violations per 18 USC241 and 242 and due To Due Process of law violations per the XXXX, XXXX, XXXX AND XXXX Amendments, and per UCC Violations of 9-203 ( b ) ( 1 ), This Is A FALSE CLAIM.
Product: Credit reporting or other personal consumer reports

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore. 

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore.