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

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account acco
Product: Debt collection

Complaint ID XXXX was filed, the collector responded and said they would be removing this from my credit reports. XXXX is still reporting it, I disputed it through XXXX & they notified me the collector verified this debt which is incorrect based off of what the collector said. I called the collector as well & they said they removed it, they also said they would update it as removed but that hasnt happened. It is damaging my credit and I need it removed as it is not a debt I am responsible for as I had XXXX at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to foI am writing to formally request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified certain negative items that I believe were reported without a permissible purpose, in violation of 15 U.S. Code 1681b. 

The specific items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAVE REACHED OUT TO XXXX XXXX AND IQ DATA, XXXX MULTIPLE TIMES. ITS STILL ON MY CREDIT, THEY ARE STILL GIVING ME THE RUN AROUND AND THEY STILL REFUSE TO REMOVE THIS!!!!! I NEED YOU ( XXXX XXXX ) TO CONTACT XXXX AND DEMAND THEY REMOVE THIS OFF OF MY CREDIT, SINCE THEY SAY ITS YOU WHO KEEPS REPORTING IT TO THEM. 

This Account was paid, closed, removed, to XXXX XXXXIQ Data in XXXX. The last 8 months or so XXXX has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple times. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake. I have been rudely spoken to by there employees, I have been refused a manager. I have sent all proof of payment receipt.
Product: Money transfer, virtual currency, or money service

I have sent {$50.00} to an individual that claim to sell computer hardware, however, paypal automatically changed from Good and Service to Friends and Family. The original seller have ghosted me after and I have reached paypal immediately but they claim nothing can be done.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX & all credit bureaus for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX, assured me that the forms would be reprocessed. As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of XXXX XXXX. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite this positive indicator, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. Further, I have noticed that XXXX has made 18 changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that XXXX corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. Thank you for your assistance in resolving this matter. Sincerely, XXXX.
Product: Money transfer, virtual currency, or money service

I was attempting to sell an item on XXXX XXXX, listed at {$150.00}. Someone inquired me about purchasing it, but it turns out they were a scammer. They tricked me, using the Zelle app as the mode of payment into giving them {$150.00} for them to pocket, then deleted their account and our messages. The bank confirmed it was fraud but could not find anyway to help me.
Product: Credit card

Starting last XXXX some CITIBANK Costco XXXX card users like myself were informed that our existing payment accounts had to be changed by accepting a new CITIBANK system partner called " XXXX  ''. The XXXX terms and conditions allowed XXXX  and CITIBANK and Costco and XXXX to take ALL of my financial data from my XXXX XXXX  account as a condition of being able to make a payment from my checking account for the CITICARD monthly bill. I have many accounts that I pay through an ACH link to my checking account, and none of them claim the right to extract all of my banking data from my bank! If you decline to accept these XXXX conditions, CITICARD says you can use an alternate method to " manually '' verify a payment account. Without asking my permission and without informing me, they inactivated my previously confirmed ACH payment account linkage. Then their technology started to malfunction. I made payments on time and they were rejected by CITICARD, who then charged me late payment fees and interest on my " Unpaid '' balance. During three months XXXX to XXXX I have called their representatives countless times only to be told my account is delinquent and they have no responsibility. Finally a week ago I got through to a " Presidential Team senior account manager '' named XXXX, and after more days and hours of calls, she left me voice message telling me that she had gotten help from CITICARD IT staff and everything was corrected, no late fees no interest no delinquency -- but she was wrong, the account is still not functioning and shown as a delinquent account which will now harm my credit score. Before XXXX I have an unbroken history for many years of paying every monthly statement in full and early. The " senior account manager '' named XXXX would not accept a call from me on XXXX/XXXX/2024, while I waited on hold for an hour! Representatives I spoke with on XX/XX/2024 told me they had no record of any payments from me and said they had no record of my interactions... then later XXXX called me again and said they can't figure out what is gone wrong and she wants to escalate the problem again. The XXXX system is the source of the fault and punishes customers who won't allow access to all their banking data to be shared by XXXX, CITIBANK, XXXX and Costco as a requirement to make an ACH payment.
Product: Debt collection

I notified XXXX XXXX of fraudulent charges charges to my card by XXXX rental car for vehicle I was renting at the time. At first they removed charges than somewhere the added them back without my knowledge. I explained that XXXX  gave me permission to continue the rental than turned around and said they were going to arrest me if I didn't return car which I did. However they charged my card over 800 dollars and XXXX for fraudulent arrest warrant that I was never charged with. However at this point they charged off card was paid and sold to another company to collect debt I never owe, in an amount I never owed. Midland Bank. XXXX  website wont allow me to request Debt Validation letter from Midland Bank.
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 the prolonged 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 practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I had a balance of {$3600.00} in my bank account and PNC bank closed my account and the funds were moved. I never received a call or was told what happened to the money. I called multiple times about where my money is and their was no resolution and I also went to the bank and they had them on hold for hours and no answer.
Product: Student loan

I had a loan through XXXX ( now Navient ) and they pushed me towards deferment when I could not pay my entire payments. This nearly DOUBLED my actual loan cost post-graduation. I researched income-driven repayments and had to climb MANY hurdles to get there, both online and on the phone with reps.
Product: Mortgage

Currently, I have an equity loan with PHH Mortgage XXXX XXXX ) against my property XXXX XXXX, XXXX VA. Since XX/XX/XXXX, I have been trying to pay-off this loan. The current balance is {$27000.00}. I was told that payoff could not be made until I have received an official payoff document. This document has consistently arrived after the due dates. 

I paid {$5000.00} in XX/XX/XXXXand submitted a check for the {$27000.00} ( it has not been processed ). To ensure that I was not charged for late fees ( after the XX/XX/XXXX), I paid the monthly payment of {$390.00}. 

I get the impression that there is an effort to discourage mortgage holders from paying off the loan. I have done everything possible to get this loan paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several documentations of proof that TransUnion is reporting inaccurate information on my credit report. TransUnion refuses to update the information to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept Of Education # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A states I have rights 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

I am a Victim of identity theft. There are many inaccuracies on my consumer reports as by way of fraud. From inquiries to collections and anything marked as missed payment or delinquent is inaccurate information being willingly offered as accurate on my consumer reports!
Product: Credit reporting or other personal consumer reports

CFPB, Under The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Intent to Sue Dear Experian, I am writing to formally notify you of my intent to initiate legal action against Experian for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information reported on my credit report. 

Despite my previous efforts to dispute the inaccuracies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never resided at this address. l disputed this address on XX/XX/year>, XXXX attempts, to have it removed. Experian has failed to rectify this errors. This inaccuracy has caused, nothing but XXXX  and reactivation of my XXXX. 

Relevant details of my case are as follows : Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, you are obligated to ensure the accuracy and integrity of information provided to consumer reporting agencies. Your failure to investigate and correct these inaccuracies is a violation of my rights as a consumer. 

I am requesting that you take immediate action to investigate and correct the inaccuracies within [ specific timeframe, e.g., XXXX days ] of receiving this letter. If I do not receive a satisfactory response by that date, I will proceed with legal action to seek damages, including but not limited to actual damages, statutory damages, and attorney 's fees. 

Please consider this letter a final opportunity to resolve this matter amicably. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

{$450.00} settled the account and they reported to all credit Bureaus with a derogatory statement without prior notifications, I was not given this information about this action.
Product: Bank account or service

My account was suddenly stating that it was overdrawn $ -XXXX! I do n't know what is going on but I have n't used my card and I still have it in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open accounts I did not authorize. My personal information was found in 9 separate data breaches on XXXX XXXX, my personal email password in 1 breach on XXXX XXXX, and my personal email was found in 7 separate breaches as well. My personal information was used to open accounts I did not authorize. It is the result of identity theft. Attached below will be all relevant information pertaining to the unauthorized open accounts and proof of identity theft.
Product: Credit reporting or other personal consumer reports

Hello, I received a copy of my credit report XXXX on XXXX and my car loan shows it was late in XX/XX/year>, but it was never late. I PREPAID XXXX 'S PAYMENT in XX/XX/year>. 

Please update this account as pays on time and NOT LATE in XX/XX/year>. 

acct name : XXXX XXXX XXXX acct number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consolidation Loan was forged and submitted to XXXX XXXX XXXX, using a address not mine, different state - use my SSN and Employer, XXXXXXXX XXXX, loan was not initiated by me nor are the References in the XXXX of XXXX XXXX anyone I know, phone and email. submitted copies and False Certification Form, Forgery form with supporting documents, XXXX, XXXX XXXX continues to enforce loan with no proof of identity, misrepresentation, threat to garnish wages and seize account on forged loan. XXXX supplied a Reimbursement and Adenmity noted the Promissory Note as Altered and manipulated, identity theft police reports provided FTC supporting information for stolen identity Fraud use of information and violation False Claims Act, defraud the Dept of Education and Government , College, money excess XXXX provided to unknown fictitious college recipient. Wire Fraud, 18 USC 1343, False Claims Act 31 USC 3729-3733, USC 1028 , Identity Theft and Bank Fraud 18 USC 1344 , Theft of Public Money 18 USC 641 , False Statements 18 USC 1001, Higher Education Act Violations 20 USC 1097 .
Product: Debt collection

Yes I have a Chase credit card that I used to have that most of the charges a fraudulent that are left on it that are unpaid also I open a new Chase bank account the credit card is stuck in XXXX and I didnt even stolen the chase bank and open here in a XXXX but due to some lack of security fraudulent charges again and I kept having to chase bank account keeps a document or a log of every device and several login to your account so I kept having people login random computers random things login they can secure my calendar and Ill didnt put no more money back and it nor pay the overdraft I was fraudulent
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

I called Westlake financial to notify them that I never got disclosures that I was due pursuant to 15USC6802 they sent me my payment history After months of back-and-forth, they told me that they'd send it in a privacy policy at the end of the year. I told them that I wouldn't have to wait till the end of the year. Because these are disclosures I shouldve go supposed to have got at the beginning When I got the auto. I stopped paying them and notified them. That I was going to take action if I didn't receive my disclosures. They then altered my contract on my auto loan. So I continued to not pay Until the legal department reached back out to me which they had and done for months at this point. And their reporting to consumer reporting agencies incorrec And their reporting to consumer reporting agencies incorrectly. An repoed my car this morning
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, Experian and XXXX  and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I sent a balance transfer from Citi to a creditor ( XXXX XXXX ) as of XX/XX/XXXX the check was sent and cleared to XXXX XXXX, the check was sent to an address po box off by one letter so I contacted XXXX XXXX and they have no regulation of receiving a check from Citi. I contacted Citi and they tell me that the balance transfer was cleared on their end which Im assuming means cashed. They say they will investigate 2 times I have called them and nothing. I just want this resolved as Im paying for a transfer that wasnt sent anywhere.