23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I sold my car, sent the payoff to the bank via certified mail on XXXX XXXX and they received it XXXX XXXX. Today is XXXX XXXX, and my buyers are allowed 30 days to title/license the car they bought, but they need release from the lien to show the title is clear. The lien release was delivered to me by mail on XXXX XXXX. I called the bank today because the last time I talked to them they said they would be mailing a new title, so I called to say the title is not here and late fees are going to be assessed against my buyers. I learned today that being told I would receive a title was a mistake, I will only be receiving the lien release letter and that 's all I need. I 'm not concerned about that mistake, but mention it because if I had n't called the bank today to say today is the last day and I still do n't have it, I would n't know I 'm not going to get a new title and I would still be waiting for it, which would impact my buyers. I 've called the bank XXXX times during XXXX about getting the required documentation for my buyers. I mailed the payoff on the XXXX, they received it on the XXXX, they posted it on the XXXX, they allow 10 business days to clear the cashiers check I sent them, they mailed the lien release letter on the XXXX, and it arrived on the XXXX. This allows 1 day to get it to my buyers, who are at work, and XXXX minutes away, and the DMV closes at XXXX, so they 're going to pay late fees. I explained this to the bank on XXXX occasions, talking to XXXX and XXXX, and then talking to XXXX supervisors on separate occasions ( XXXX and XXXX ). They all acknowledge that the process was executed by the bank without mistakes and that the end result is that the title does n't get here it time. No one would take the initiative to at least SAY that it 's a problem for the customer, they 're established process that was executed without error did n't allow the customer to get the required documentation to the buyer within the 30 days allowed by state law to avoid late fees. THAT 's what I 'm complaining about. They KNOW this and are n't doing anything about it. When they told me last week the letter was mailed on the XXXX, they said it would take 10 business days to get it. They KNEW at that time I would n't get it in time. They could have changed their shipping method to get it here quickly. The problem is they know their process did n't work for the customer and they acknowledge this but do n't volunteer to improve the process. They do n't like regulation, but there 's a reason for it, and this is an example. Apparently they need to have a regulation to require them to execute a process that allows the customer to receive the required documentation in time to comply with state law without having to pay penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine : PORTFOLIO RECOVERY ( XXXX XXXX ) opened XX/XX/XXXX, and XXXX XXXX XXXX opened XX/XX/XXXX. I have never applied nor used these accounts. these accounts are unauthorized and not approved by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries by SYNCB on my credit report on XX/XX/17
Product: Debt collection

I had a problem intentionally getting the vehicle from the dealership as the term started and it put me behind two months. I have filed a complaint that was ignored. So I took Ownership and continued the payment. Every time I make a payment I would get calls all day everyday even at work and school. It became overwhelming. I told them to stop calling me and the calls stopped for a little under a month. Just recently the harassment calls started again. Now I want to pursue legal charges.
Product: Debt collection

XXXX XXXX They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XX/2017. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.
Product: Debt collection

National Recovery Agency XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unverified Medical Debt, HIPAA Violation, and Debt Over 7 Years Old To Whom It May Concern, I am writing to formally dispute a medical debt that your company claims I owe. The debt in question, which you are attempting to collect, is from over seven years ago and, to date, has not been properly verified despite my multiple attempts to request documentation that confirms its accuracy and validity. 

I have specifically requested proof of the original creditor, as well as confirmation of the debts legitimacy and the amount being collected. I have also sought to verify who you purchased this debt from, and despite these efforts, I have received no response from your office. 

This debt is medical in nature, and I believe your actions may also constitute a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ), as medical debt information can not be disclosed without proper authorization or legal grounds. 

Due to your ongoing failure to verify this debt, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Additionally, if this issue is not resolved immediately, I will be sending a cease and desist letter to demand the cessation of all collection activity related to this unverified and outdated debt. 

Please be aware that continuing to report or pursue this unverified debt could result in further legal action. I expect this matter to be resolved promptly and that this account be removed from all credit reporting agencies immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.
Product: Debt collection

Hello, I requested over 3 times for proof/verification that this fraudulent/unverified account reported on my Credit report via XXXX be removed/deleted. I've submitted over 3 disputes letters to FBCS requesting proof/verification that this reported account is mine and accurate. They continuously Failed to provide proof, but I see changes made to my credit account such as increase/decrease to my score, and date changes etc. How is that? 

I advised them multiple times this account isn't mine. The last letter I received from FBCS ( on XX/XX/2022 ) indicates that they are looking to retrieve the funds, and to just file a police report. FBCS continues to dismiss my request, clearly have No proof, and refuses to remove/delete this fraudulent account from my credit report. This a violation of Federal Law. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Mortgage

I was unsuccessful demanding Navy Federal Credit Union immediately reverse an erroneous late fee charge and credit my Home Equity Line of Credit in the amount of {$31.00} which I paid. 

The basis for my refund request is that Navy Federal  XXXX ) systemically abuses late fee charges for payments received on time ; and XXXX ) improperly retains late fee charges Navy Federal is not entitled to for a under the guise of a fake and unnecessary 10-day investigation period. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the amount {$770.00} to Navy Federal. See attached. 

Navy Federal acknowledged receipt of the check on XX/XX/2023, with a notation " XXXX XX/XX/2023 XXXX '' on the reverse side of the check. 

Notwithstanding Navy Federal 's possession of the check on XX/XX/XXXX, a late fee of {$31.00} was assessed. Navy Federal processed the check for payment on XX/XX/2023 as noted on the back of the check. Funds were withdrawn from the XXXX bank account on XX/XX/2023. 

On XX/XX/2023, I contacted Navy Federal and requested the charge be immediately reversed as erroneous and was told I had to wait at least ten days for an investigation to be completed. However, as the notation on the back of the check made clear, there is nothing to investigate since Navy Federal 's own records/notation acknowledged possession of the check on XX/XX/2023 ( within the time period to be considered on time per Navy Federal 's XXXX ). Also, Navy Federal refused to provide/confirm this information currently within their holdings. Lastly, I believe Navy Federal systemically abuses late fee charges in contravention of internal policy because I was told a prior payment late fee had been waived ( without my knowledge that Navy Federal even considered the payment late ).
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I received 4 inquiries BY XXXX XXXX ( BANK ) XX/XX/year> XXXX XXXX XXXX ( FINANCE ) XX/XX/year> XXXX ( FINANCE ) XX/XX/year> XXXX XXXX ( AUTO ) XX/XX/year> WANT TO DELETE THEM PLEASE
Product: Credit card

I purchased tickets from Box Office Sales to a concert and the seller did not provide the tickets, charged my credit card incorrectly ( more than agreed ), and did not provide a service offered ( insurance ) in the closing documents. I filed a dispute with my bank and according to my credit agreement if the seller does not respond within a timeframe the dispute gets settled in my favor. Also, the card was an XXXX and has specific rules on disputes that Wells Fargo did not follow in the resolution. Nearly 3 months later they called me and told me that the charges stand and nothing can be done. I still do not have the tickets, an adjustment to the overcharged amounts, or the insurance purchased.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title.

I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't XXXX reporting any payment history? How can I be on time with my payment in XXXX of XXXX with Equifax but charged off the very next month? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I XXXX XXXX am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm completing this complaint because I'm beyond frustrated with EQUIFAX credit reporting agency in regard to my credit file. I have been trying for over 3 months unsuccessfully to access my report and I have gotten no assistance from this company. From what I have researched this is a violation of my rights and needs to be addressed. I have tried to access my information online to remove my credit freeze and review my information and despite verifying my information there are reseting my password I'm repeatedly prompted to call XXXX. This is a never ending phone loop that requires you to enter your information before being transferred to a person. Once you are transferred to a person you are still required to answer the same questions AGAIN and more. EVERYTIME I call I'm forced to ask for a manager that speaks and understands english because the people that answer the phone do not. I've called at least 3 times and I'm extremely frustrated with the lengthy waste of time as well as the fact that EVERYTIME I ask for a supervisor I'm either transferred to the 2 question survey, hung up on, or repeatedly aggravated by the repeating myself MANY times because I'm instead transferred to a different representative. I should not feel that my personal information is being held hostage by foreigners!!! What good does it do me to ACCURATELY verify my information DIRECTLY FROM MONTHLY BILLING STATEMENTS and the person on the other end doesn't comprehend me! I have a freeze and ONLY I HAVE THE PASSWORD AND IT'S ME but I can not get my own information. I'M TIRED OF THIS AND NEED TO EXCERCISE ANY RIGHTS I HAVE TO ENSURE THIS IS FIXED AND EQUIFAX IS HELD ACCOUNTABLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

They are communicating to my work constantly and this is abusive and it is bringing problems with my supervisors.
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 : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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

I recicived my TransUnion report and noticed some inquiries I did not authorize to be on my credit theses inquiries are not tied to any open accounts I've called multiple times to TransUnion sent in letters and they continue to ignore my request. I was told multiple times the account would be removed but nothing has happened a representative of the company told me to send in FTC report, and I did now I'm being told to do it again this isn't fair to my creditworthiness and is affecting me please remove inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b states your agency needs permission to report anything on my credit report and I did not authorize these inquiries