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

To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX XXXX  ) concerning my interactions with XXXX, TransUnion, and XXXX. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the 15-30 day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required 15-30 day period. 
A directive to XXXX, TransUnion, and XXXX to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and equitable credit reporting to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX XXXX commitment to ensuring the practice of fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX
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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Debt collection

XXXX XXXX XXXX : ** XX/XX/year> **Amount : ** {$670.00} **Status : ** Still on credit application **Dispute Reason : ** Identity Theft **Summary : ** As of XX/XX/year>, an amount of {$670.00} remains on the credit application, which has been disputed due to identity theft concerns. The investigation into this matter is ongoing.
Product: Mortgage

see complaint XXXX not resolved communication issue. XX/XX/24 XXXX Calling me XXXX XXXX on my voice mail. UNACCEPTABLE! I will not tolerate calling me names and leaving condescending hateful voice mail messages. UNPROFESSIONAL CONDUCT. 

Hi, XXXX XXXX, this is XXXX. Um calling you again from select portfolio servicing. Um I'm trying to get a hold of you. I definitely wan na be able to help you with your claim process. Um I think this is the third message I've left. Not that I'm counting or anything like that, but I wanted to um be able to help provide service for you. Um Again, my phone number is XXXX. I, I know you've been going through a lot and I don't wan na interrupt your day to day. Um, but I wanted to try to call you at different times. So it's um XXXX right now, I think uh yesterday I called around XXXX No you actually called me 3 times on XX/XX/24 while I WAS WORKING repeatedly XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to transfer from my Robinhood account to my bank account. These funds are shown as available via their site however when I attempted to make the transfer it said that withdrawals from this account have been disabled to this bank account. Note this bank account has had a monthly automatic withdrawal from my bank account into Robinhood for almost the last year. 

I immediately contacted Robinhood support to get this issue resolved. At this time only email support is offered. I received an automated message that I would receive a response in 1-3 days which did not occur. Instead, I received another automated message asking if I wished to keep my ticket open, despite responding yes my ticket was closed. I opened an additional ticket on the XXXX in response to this which I have not heard a response to as well. 

Gaining access to my available funds is critical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.
Product: Vehicle loan or lease

I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX  XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.
Product: Mortgage

Starting back in XX/XX/XXXX I had been trying to do the biweekly payments but they wanted a month ahead and we could not do that. I started making partial payments. The first email I sent was XX/XX/XXXXwith out hardship letter. XX/XX/XXXX I emailed in my sons bank account statement.XX/XX/XXXX emailed income that had not been received since a specific date. XX/XX/XXXX emailed my child support paperwork with proof of income. Received letter requesting specific paperwork. again on XX/XX/XXXX thru XX/XX/XXXX emailed paperwork requested. After a while they asked for paperwork again. Finally stating that some of it was not filled out right. This time I filled out that paperwork again and mailed it and It was signed for by XXXX XXXX on XX/XX/XXXX. Paperwork was due by XX/XX/XXXX. On XX/XX/XXXX, I receive a phone call at XXXX XXXX from XXXX ID # XXXX stating that they needed the XXXX corrected in the address and phone number. Only page two of our XX/XX/XXXX taxes with our signatures on it and our hardship letter. I was told I needed to add on LIne 5 of the XXXX the word Corporation after Freedom Mortgage. and Their phone number. I was told they needed page two of our taxes signed and dated. I faxed those pages in on XX/XX/XXXX at XXXX XXXX. Then another letter comes dated XX/XX/XXXX wanting 1. federal tax return all pages ( already sent three times except page 2 needed signed and  dated ). Year to date profit and loss statement signed and dated. 3. 3 months of recent business bank account ( I don't have any business accounts, and was told to write a letter stating that ) 4. complete financial worksheet. I sent in the two pages I have that state " Financial Report ''. I faxed these items in XX/XX/XXXX at XXXX XXXX, one page and XXXX 3 pages. I called on XX/XX/XXXX and spoke to XXXX # XXXX and was told they did get the papers and were working on reviewing the packet. XX/XX/XXXX received another letter requesting paperwork again. 1. Recent tax return. 3 months business statements. YTD profit and loss statement and Financial worksheet. I called today and spoke to XXXX # XXXX. I was told that they had none showing up. No tax return ( has been sent now three times and emailed ). Profit and loss statement which was faxed. Business statements to which XXXX stated to write a letter explaining that I don't have a business account. and again complete financial worksheet, not explaining that this last one has 6 pages to it and the whole packet has different titles on each page. Only one states " Financial Report '' and has a second page. The other say Financial Report, Hardship Affidavit, Monthly Expenses. 
This back land forth and run around has been going on now since last year. 
Now they have started the foreclosure. We went to a HEMAP Counselor Thursday.
Product: Debt collection

I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. BANK XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX OF XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX, FIRST PREMIE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Product: Debt collection

Credit Management has violated one or more of the prohibitions set forth in 1692 of the Fair Debt Collection Practices Act. I believe they knowingly incorrectly addressed the initial notice of collection. The address listed on the notice does not include my full apartment number, XXXX, the apartment number is listed as XXXX. The apartment number in my building range from XXXX to XXXX. 
The notice was dated for XX/XX/XXXX and I did not receive this notice until the evening of XX/XX/XXXX because it was incorrectly delivered to a neighbor who inadvertently opened and read it. 
I have had several phone calls with Credit Management where I have advised them that I did not receive the notice as required by 1692 of  the Fair Debt Collection Practices Act. I have had them verify my address and they had my full apartment number. My address is also listed correctly on their website. The only response that I received when I advised them that I had not received the notice was, the notice was already sent or we sent it. 
I believe that they intentionally used an incomplete address with the hopes/intentions of not allowing me the ability to request that they validate the debt in question. 1692 of the Fair Debt Collection Practices Act allows me the ability to dispute the validity of the collections account within 30 days of receipt of their collections notice. This collection was reported on my credit bureau reports as of XX/XX/XXXX, days prior to one of my neighbors clipping the incorrectly address notice to the outside of my door. 
Since the notice had an incomplete apartment number listed, the notice communicated to a third party, sensitive and private financial information, also a violation of 1692 of the Fair Debt Collection Practices Act. 
This collection account dates back to XXXX for an account with XXXX XXXX XXXX  that has now been taken over by XXXX. My credit bureau report states the creditor is XXXX XXXX. As I have a current account with XXXX, this does not paint a clear and accurate picture of the original creditor. 
I have been in contact with XXXX. I have spent hours on phone calls and chat sessions attempting to find out any information on this collection and none of the agents I spoke to were able to tell me anything about the account or the reason I was being contacted by Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later  my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact XXXX and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY
Product: Debt collection

Direct contact was made with Cach LLC in XX/XX/2020 via certified mail in an attempt to validate the debt that is on my credit report. The original creditor, XXXX XXXX, does not report on my credit report and this company has no right to try and collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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 card

I have contacted with PayPal, which was the payment system for this purchase, relating the XXXXXXXX XXXX XXXX before this card was closed. 

I have ordered this item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The purchase was transacted on XX/XX/XXXX and XXXX XXXX stated the product was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, instead of my address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to contact with the seller 3 days ago, and the seller stated " Hi, I contacted the post office and this package should have been an accidental mistake on their part, I can arrange for it to be re-mailed to you, thank you! '' I have contacted again to know the proceedings, however, I did not receive any information from the seller, so far. Therefore, I ask the refund from the seller.
Product: Credit card or prepaid card

I have a XXXX XXXX Credit Card through Comenity bank. Their website has been down for several days and their customer service phone lines are also down. I am unable to pay my bill because I can not access my account at all. I reached out to them on XXXX and they responded with a generic apology message for the inconvenience. It provided no information about when my account may be accessible and if I will be penalized for my payment being late as a result of their system being down.
Product: Student loan

XXXX XXXX  provided false information in their initial response. I updated my contact information once I was notified of their reporting to the credit bureaus. I have an active US mail forwarding request in place, so any mailed correspondence truly sent would have been forwarded to my current address. I have received nothing from them. They have only contacted me through their internal mailbox system. If I had no idea that my payments were in repayment status, I would have no need to sign into their website to check for messages. I was also still enrolled in school during the alleged 90-day delinquent status and did not complete exit counseling. If I justifiably believed that my loans were not in repayment status, I would have no reason to log into my account to check for messages from them. They also have my account listed as e-billing only, so that also conflicts with their claim that they mailed me. I also previously contacted the company regarding this dispute to find out why I was not notified and billed, and they said that I must provide consent for them to contact me. So they are being completely untruthful in their response that they have attempted to contact me. They also lied by saying they reviewed documentation to support my claim, because I did not provide any documentation yet. Additionally, they are reporting to the credit bureaus that the dispute has been resolved. They are not following requirements of the FCRA with that inaccurate statement and the FDCPA with their dishonest collection attempts, and they also have not added that I disagree with their resolution after the dispute, which is another violation of the FCRA. Their practices are deceitful and unethical. I'm not satisfied with this company nor their response. I will continue to pursue my options to correct their illegal reporting and collection actions.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS ACCOUNT AND THIS INQUIRY THE MY CREDIT REPORT ACCOUNT : XXXX XXXX - XXXX INQUIRY : XXXX
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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 ) ( 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: Credit reporting or other personal consumer reports

To whom it my concern. I tired correcting this more then a few times with equifax. They have a old address i would like to get removed. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.And also my full name is not XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Can you please correct this as well ... Thank you.