23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Corporate business accounts with Capital One showing on personal credit report.
Product: Checking or savings account

I purchased a lcd XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX  phone for {$170.00} and after it was installed 3 weeks later the screen all of a sudden went black and it would not turn on or anything. So I contacted XXXX they said they only give a 30 day guarantee that I'd need to contact the seller. So I contacted the seller and they agreed to send me a replacement for the inconvenience of receiving the defective item but that it would take 3-4 weeks to receive from XXXX so I agreed to wait for you the replacement which I still have not received so I disputed the amount of the defective item with my card issuer Chime Bank and am now on my second rebuttal which I submitted again on XXXXXXXX  because they have denied my dispute twice now for the amount of the defective item {$170.00} and XXXX refuses to make it right as well. Chime dispute id XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) in my credit report and Im disputing them. The issues I encountered include inaccurate information being reported, improper debt collection practices, and unauthorized hard inquiries. These violations are a direct breach of the FCRA, which protects consumers like me from unfair credit reporting practices.

Under FCRA Section 616, I found that inaccurate credit information was reported about me without verifying its accuracy. This is a clear case of willful noncompliance, which could result in civil penalties of up to {$1000.00} per violation. I also discovered that my personal information was shared without my consent or proper disclosure of my right to opt out, violating FCRA Section 603 ( d ) ( 2 ) ( A ).

Additionally, debt collectors reported debts on my credit report without validating them as required by FCRA Section 623 ( a ) ( 3 ) and 15 U.S.C. 1692g ( the Debt Collection Practices Act ). Some debts were inaccurately reported without my consent, and in some cases, no validation of the alleged debt was provided. These actions are deceptive and violate the law.

Moreover, I found unauthorized hard inquiries on my credit report, including one from XXXX XXXX  in XX/XX/year>, which violated 15 U.S.C. 1681b ( a ) ( 2 ) since they were made without my written consent or a permissible purpose.

Ive demanded the immediate correction of these issues, including the deletion of incorrect addresses, updates to payment histories, and the removal of all unauthorized inquiries. Ive also requested the validation of disputed debts under 15 U.S.C. 1692g. If these violations are not addressed, I will pursue legal remedies, including potential lawsuits under the FCRA for willful noncompliance and any other applicable laws.
Product: Debt collection

For over 2 months this company, EOS CCA has called me in excess of 200 times looking for someone I don't know! I have repeatedly requested for them to remove my number! 1 week ago I received 30 calls from them in one day all from different numbers but the same woman asking for this person I don't know! 
Today I received another call from a new number but the same woman stating " I know you know who we're looking for '' and when I again stated I do not know that person she said " we will continue to call until I get to speak to her ''! 
This is harassment plain and simple! I have no collection accounts, all my bills are current, why is this happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 
Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. I DO NOT HAVE ANY ACCOUNTS WITH XXXX.. ( NONE ) PLEASE REMOVE ANY AND ALL XXXX ACCOUNTS FROM MY REPORTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX USA/XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602, state I have the right to privacy. Additionally, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 
Please demand the Creditor, in this case, XXXX to produce evidence of the delivery of the mailed payment, no later than XXXX day, as the law states. If XXXX is unable to produce this letter the account must be deleted as it violates the law.
Product: Checking or savings account

I told cash app my phone was stolen and the transaction was not authorized by me and they went ahead and denied my dispute so then I showed all proof proving it was stolen and now Im just here waiting. There not taking this seriously and Im going to be late on bills if this doesnt come back
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report.

You were supposed to interview my neighbors and interview my friends.

Did you interview my neighbors?

Did you interview my friends?

Who did you talk to?

When did you talk to them?

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all?

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX OF XXXX Account # XXXX, XXXX OF XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXXt. # XXXX, XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent a handwritten letter to equifax requesting the clerk name and any correspondence they had they claimed was verified by the BK federal court. I also provided them with the letter from the court that they do not verify bankruptcy 's. which is frustrating because they need to correct errors or remove it from my credit report. I understand that it is scheduled to be removed in XXXX, but it is not right that they can post inaccurate information. 

The " supervisor '' at equifax was very rude I may not have the best English skills but I believe the treatment and undertones from equifax " supervisor ' XXXX XXXX XXXX  The fact that he shames me for the financial troubles I had in the past does not solve the problem.
Product: Checking or savings account

Bank of America closed my account without me knowing. I ultimately received a letter in the mail about a week after I found out it was closed. 

Account closed on XX/XX/2020. I found out due to not being able to log into my account on mobile and web. I called bank of america to figure out why it was closed. They informed me that it was closed due to a business decision. Due to this closure, all my money is currently locked up and I am not able to pay bills. About {$2300.00} is locked up. 

Bank of America informed me the account is closed and a cashiers check has been mailed out and that it should take 7-10 days. It is currently XX/XX/2020 ( 12th business day ) and I have not received it. 

I call everyday to see if there is anything they can do about cancelling the current check or reissuing. They keep saying there is nothing that they can do. 

I need to have access to my funds so that I can make my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I ALWAYS LIVE IN XXXX GA AND I RAN MY CREDIT TO APPLY FOR A HOUSE I SEE WHERE EQUIFAX IS THE ONLY REPORTING I PURCHASE A VEHICLE WITH XXXX XXXX. I NEVER BOUGHT A CAR UNDER MY SSN I USE MY BUSINESS EIN TO PURCHASE THE CAR IM AM DRIVING I DISPUTED THE MATTER BEFORE WITH EQUIFAX I WAS TOLD BY XXXX XXXX TO TAKE THE ISSUE I HAVE AND DISPUTE WITH EQUIFAX SOMEONE USE MY NAME. MY IDENITY WAS STOLEN AND IM STUCK I NEED HELP.
Product: Mortgage

Mortgage Loan # XXXX was paid off on XX/XX/XXXX and Bank of America posted the load as paid off on XX/XX/XXXX, however they reported to the Credit Bureaus the load was 90 days past due in XX/XX/XXXX thus causing us gravely unjust hurting my credit making it impossible for me to secure financing through other institutions to buy a house. 
Bank of America refuses to change what they reported to the credit bureaus ( Letter attached ) in particularly XXXX who advised me by phone on XXXX XXXX that they could not change what Bank of America reported to them which shows 90 days past due in XXXX. 
I feel Bank of America needs to correct this with all Credit Bureaus IMMEDIATELY and furnish ME the written information provided to the Credit Bureaus to get this corrected.
Product: Mortgage

In 2011 I had a mortgage with Wells Fargo, I was a single sole support mother living at XXXX XXXX XXXX XXXX in XXXX GA. I contacted Wells Fargo repeatedly to request a loan modification and they told me they were going to help but then I received a notice for pre foreclosure. I ended up having to file XXXX XXXX in federal court under Trustee XXXX XXXX. This impacted my career opportunities and my life in general. 

Wells Fargo knew that I was dealing with a XXXX XXXX XXXX XXXX XXXX XXXX and I was told that I qualified for a loan modification and then was told not to pay and then received a pre- foreclosure notice. This was a fraudulent practice and they did it to so many others.
Product: Mortgage

Our mortgage is through Shell Point Mortgage. We have our payments taken bi-weekly. They send a letter every month telling us when the payment will be withdrawn and that they need 24 hours to cancel any payments. In XXXX our mortgage would be drafted three times creating an over payment of {$1300.00}. We called two times to cancel this overpayment before this was pulled from our account on XX/XX/XXXX. They assured us they had cancelled the payment and yet it went through anyways and over drafted our checking account. We have called 6 times and emailed 3 times since then to get the overpayment refunded. Each time we are told that it will be refunded just to call back and be told there is no record of our call ( despite being told that we are on a recorded line. ) Our emails go unanswered and despite being told our concern has been escalated, no action ever occurs to fix the situation. It is now XX/XX/2020 and we still have not received any resolution.
Product: Credit reporting or other personal consumer reports

I have looked over my credit report and notices some errors. I sent a letter to XXXX, XXXX and Transunion and have not hear anything back and it is beyond 30 days. I also noticed on my XXXX report I have a duplicate collection. I have sent in several letters to investigate and I have not been getting a response. please look into this matter as it is crucial to me as I am buying a home. I have attached some letters I have sent XX/XX/year> I also sent direct letters to creditors.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint regarding the handling of my accounts and loans by Navy Federal Credit Union ( NFCU ). Despite multiple attempts to resolve these issues, I have encountered unprofessional conduct, lack of cooperation, and refusal to provide critical account information. 

The following issues require immediate attention and resolution : Collections Handling Charged Off Account : In XX/XX/2024, during a recorded call, I attempted to rectify and pay a charged-off account. Despite my willingness to make payments or resolve the matter, NFCUs collections department refused to facilitate the process and ultimately hung up on me after repeated attempts to explain the situation. This obstruction prevented me from addressing the account and further damaged my financial standing. 

Denied Amortization Schedule for Pledge Line : I have made several requests to obtain an amortization schedule for my Pledge Line account. Each request has been denied without reasonable justification. This lack of transparency prevents me from effectively managing my financial obligations and understanding the breakdown of my payments and balances. 

Refusal to Review Associated Accounts with Concerns : I have requested that all my accounts with NFCU be reviewed for potential discrepancies or variances. Despite raising valid concerns, NFCU has refused to conduct a comprehensive review or audit of these accounts. This refusal undermines trust and transparency, potentially leaving unresolved errors that could adversely affect my financial health. 

Resolution Requested : I request that NFCU formally investigate and address each of the issues outlined above. 
Facilitate the rectification and payment of the charged-off account in good faith. 
Provide the amortization schedule for the Pledge Line as requested.

Conduct a thorough review of all associated accounts to ensure accuracy and resolve any variances. 
The lack of cooperation and accountability in handling these matters is unacceptable. I urge NFCU to take immediate corrective actions to resolve these issues and restore my confidence in their services. Should these concerns remain unaddressed, I will escalate the matter further to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX ( XXXX ). 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by mail about a data leak from a third party platform. I never recieved an " opt out notice '' from the company to protect my information prior to the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I disputed a public record on my Equifax credit report via their online service. On XX/XX/2020, I received results via their online service stating that the public record had been updated. I noted that in their response, the updated information for the public record stated a file date of XX/XX/2020. I then called them on XX/XX/2020 and spoke with XXXX then her supervisor XXXX advising them that I did not file for bankruptcy on XX/XX/2020, that I was not a resident of XXXX, and that I did not even live in the state of California. I also advised them that this must be some kind of mistake as I already had a fraud alert on my account and that I was a victim in their data breach, and because of this Id also frozen my XXXX XXXX profile to protect my information. I then asked how was the public record verified. The rep told me that they verified that I filed for bankruptcy on XX/XX/2020 with the XXXX court, so I then asked what is the name of the person they spoke too. She then said they used a third party vendor who also verified their information directly with the court in XXXX, CA, but she would not give me the name of the 3rd party vendor. The rep then forwarded me to their mix department and I began speaking with XXXX. I advised him of all of the above and he stated that he could open another dispute to have the inaccurate Public Record deleted off of my credit profile which would take bout 30 days. On XX/XX/2020, I logged into Equifaxs website and noted that the Public Record was still present on my, but they changed the  dates. The entry on my credit profile also states that it was verified via XXXX XXXX. I have included attachments of written correspondence from Equifax, as well as proof from their 3rd party vendor I received that my profile is frozen.
Product: Credit card

my debit card was stolen and used fraudulently i reported the theft and charges and TD refuses to credit my account making false accusations and incompetent lies
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right that this inquiry be removed.