23daVinci/CFPB_Complaints huggingface dataset:
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 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 request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

This is my second request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My down payment on my car payment contract was fraudulently listed as credit applied to my loan financed with the credit lending company Bridgecrest financing. This ordinance is in violation by 15 USC 1605
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft occurred in another state that I have never been to in my entire life. My items were stolen and because I did not use my bank card for a while, i didnt notice it was missing until I received fraudulent charges. I informed Bank of America of this but an unproductive investigation was conducted. No one compared signatures and it is my sworn oath this is stolen identity which has happen before in XXXX  i filed with internal revenue services for stolen identity. My credit reports are on alert for fraud and IRS has been on alert for stolen identity for years. This situation with Bank of America is stolen identity!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and I'm asking you to remove these fraudulent posted on my report hard inquiries : XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX THEY MUST BE REMOVED IMMEDIATELY. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I write to dispute data by XXXX XXXX XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX/XXXX XXXX XXXX showed up on my credit report and I did NOT apply for any credit cards through them. I called three ( 3 ) times, and all representatives were extremely disrespectful and refused to help me. Even the manager hung up the phone and told me I had the wrong number, when the number I called is listed on their website. I believe there is fraudulent activity taking place with this company, and I spoke with TransUnion at XXXX XXXX today and was told that XXXX has to issue me a letter of deletion. The XXXX number is XXXX.
Product: Credit card

I tried getting a credit card through XXXXXXXX XXXX XXXX. I tried to see if I was prequalifying. I got notified that I was not. Not to mention, I have a good credit so highly confused on why I am not being qualified
Product: Money transfer, virtual currency, or money service

Robinhood put a restriction on my account and said I had to submit a photo of my ID. I submitted said photo and they said the restriction would be removed by the XXXX of XX/XX/year>. Every day when I login the date it says it will remove the restriction by moves back by one day. It will not let me withdraw my money.
Product: Debt collection

XXXX verified a medical debt that is open but that is also a collection account. 
With a balance that is increasing daily. This is not my debt. I want it validated. Where is my signature. It's wrong to come after me with fraudulent debt/information..My credit score is hurting from the Lies of Wakefield & Association . I didn't open any debt in XXXX of any year. Balance on this collection is going up and my credit score is hurting. Please help!
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 


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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit reports and noticed that I had two late payments on an account with XXXX XXXX XXXX XXXX in which I was never late for. Consumer reporting agencies have assumed an integral role and have a responsibility to report accurate consumer information. I have never been late with any payments with XXXX XXXX before. Please investigate and provide proof that I was late. In the event that this information can not be obtain, please remove the late payments with each credit bureau : XXXX, TransUnion, and XXXX. 

Not only have XXXX XXXX reported inaccurate late payments, they have reported conflicting information with XXXX and XXXX. For example, XXXX XXXX reported the two payments 30 days late in XX/XX/year> and XX/XX/year>. However, with XXXX, they reported the two late payments being 60 days late in XX/XX/year> and XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). My consumer rights are clearly being ignored and disregarded, as my credit reports show transparent inaccuracies.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report under 15 USC 1681c-2. These entries were not authorized by me and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many accounts are not belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made a payment from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Zelle. The payment of {$550.00} was going to the business XXXX XXXX XXXX XXXX XXXX XXXX ) for a XXXX tree, which was supposed to be shipped to me. It appears that XXXX XXXX  XXXX received the funds, but has been scamming a lot of people, offering XXXX trees for sale and then disappearing. I believe ( from having talked to several other scammed consumers, that Zelle was aware of the scam from XXXX XXXX XXXXXXXX, since others had made complaints before mine. It looks like I was one of the last people to order. 

I have tried multiple times to contact the business, to no avail, and I have not received any product. I have asked XXXX to refund my money, and to disallow Zelle from being allowed to cheat future customers, since they apparently have no protections in place for scammed consumers. However, my credit union refuses to accept responsibility since the transaction was 'authorized. ' I also filed a complaint with Zelle, and they are pointing to their Terms and Conditions, saying that they aren't liable for any fraud or scams. 

Apparently, if I had used my credit union debit/credit card, I would have had protection since I never received the product purchased. Why is Zelle allowed to operate without consumer protections in place? Also, why is my credit union allowed to deny liability by using a 3rd party ( on the credit union website ) to circumvent a fraudulent transaction? 

I will never use Zelle again, and I urge the CFPB to take action against them, since they are aware that scams and frauds are taking place using their unprotected service. Further, I urge the CFPB to take actions against banks and credit unions who are using 3rd-party companies, like Zelle, XXXX, XXXX, to avoid liability that they would have if I used my debit or credit card.
Product: Vehicle loan or lease

-In violation of the Truth in Lending Act/Bill Of Exchange act -Breach of contact/Failure of Fiduciary duties -Gave personal information away to 3rd party without consent -Failed to properly respond to Affidavit of Truth with an Affidavit -Failed to properly respond to Affidavit of Revocation of Signature with an Affidavit -Ignored notice of Rescission -Ignored Cease and Desist -Violated numerous U.S. Codes in the Sales Contract -Failed to provide accounting/ledger -Now in default after numerous attempts to amend an solution
Product: Checking or savings account

A few days ago I started to receive mail from TD Bank and once I opened in it stated I had an account opened in my name. Now the problem is I never opened an account at TD Bank. When I called TD Bank they advise me the account was open on XXXX XXXX, 2022, they perceived to lock the account and advise that I report it.
Product: Mortgage

I sold this house in XXXX of 2019. We closed with XXXX XXXX in XXXX, Arkansas. LoanCare is still reporting this mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : US DEPARTMENT OF EDU inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 hard inquiries on XXXX and 11 on Transuion. I have 5 that are currently active and the rest arent and been denied approval
Product: Mortgage

SENT THEM 2 BILL OF EXCHANGE,1099A AND 1099C TO SET OFF THE ACCOUNT THE ACCOUNT NEVER WAS SET OFF THE ACCOUNT. I CALLED THE COMPANY TO ASK FOR THE VALIDATION AND WHY THEY HAVE NOT SET OFF THE ACCOUNT THE GUY SAID WE ARE WOOORKING ON THE NUMBERS, A MONTH WENT BY I CALLED BACK THEY STATED THEY WILL NOT SPEAK TO ME AND TO GET A LAWYER.THEY STILL HAVE NOT SET THE ACCOUNT OFF SENT THEM ANOTHER VALIDATION LETTER STILL HAS NOT RESPONDED.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used the Moneygram app to send money using the debit card deposit method. Ive used it in the past with no problem, because the transaction is settled in 30 minutes. Its been 4 days and the money hasnt been deposited to the receivers account. I double checked all information before sending the transfer, and the money was immediately withdrawn from my bank account. Moneygram started an investigation yesterday, but I need my money ( {$160.00} ) back or deposited in the receivers account soon. They offer no promise to refund my money until their investigation is finished, which they say will take some time. They should be able to handle this more efficiently.
Product: Mortgage

In XX/XX/XXXX, SLS ( Specialized Loan Servicing LLC ) became my mortgage loan servicing company. They sent out an information letter concerning the PMI ( Private Mortgage Insurance ) that was required by my loan. The document contained the steps necessary to have PMI deleted from my loan. I was in compliance with all the necessary steps that the SLS/Mortgage Company has requested and on XX/XX/XXXX I sent a written request to have my PMI deleted. To date, I have yet to receive any written answers to this request. On XX/XX/XXXX I called SLS and had a phone conversation with several representatives of SLS, including a Executive Service Representative, who indicated that my request had been denied. I requested a written response that stated this denial decision and why but have yet to receive an answer. During that phone conversation, I also requested a copy of the Mortgage companies PMI deletion requirements. I followed up this verbal request with a written request on XX/XX/XXXX To date I have not received any of the above requested information. On XX/XX/XXXX, I again sent a letter requesting PMI deletion and included a copy of the appraisal I had done for this property, which clearly shows my LTV ( loan to value ) under 70 %. The only written correspondence I have from SLS is a form letter telling me that my request in under review. The letter was dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

Elan financial should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MY ACCOUNTS. THESE ARE FRAUDULENT ACCOUNTS PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX- Account Credit Card 4. XXXX  - Account ( XXXX XXXX XXXX ) 5. XXXX - Line of credit 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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.