23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from Experian XX/XX/2022 still displaying student loan from XXXX on report as OPEN and CURRENT. I submitted a DISPUTE for ( 5 ) five XXXX accounts that were still being reported as OPEN and CURRENT in XX/XX/2022. Only ( 4 ) of those XXXX accounts have been deleted. There's one account still displaying on report which is affecting my total debt owed.
Product: Credit reporting or other personal consumer reports

I feel XXXX unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Product: Money transfer, virtual currency, or money service

I paid with my credit card for a trip with XXXX XXXX  on XX/XX/2020, for known reasons of the COVID 19 pandemic, the trip was canceled and the XXXX Shipping company returned the amount of {$6400.00} to my Chase bank credit account. USD which is reflected in my account statement dated XX/XX/2020, however that same date I call the bank and requested that the money be transferred to my savings account with the same Chase Bank. And the person who took the call told me that the money couldnt no be transferred to the savings account. Without giving me any explanation or reason why the transfer can not be done, but she told me that she was going to send a check for that amount to the address that I have registered in XXXX California,. However to this date I have not received any check or transfer of this money, I have called on several occasions and I have had contact with different executives and institution`s who had not giving me a reason for the problem that exist., The last executive with whom I had contact with, informed me that they had already tracked the money which had been deposited in a checking account with termination XXXX which does not correspond to me As of today Chase bank does not take responsibility for their mistake.Because of this situationI have develop a condition called XXXX XXXX caused by anxieyi this condition is a XXXX XXXX that prevents me from traveling to fix this matter personally
Product: Credit reporting or other personal consumer reports

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items in the attachment below that are inaccurate and shall be removed from my credit report immediately.
Product: Debt collection

XX/XX/XXXX got a letter in the mail regarding a debit that is not mine. I closed my XXXX XXXX XXXX in XX/XX/XXXX when I purchased my house and havent opened a one since.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( experian ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX  XXXX remove whole account or update every late payment XXXX XXXX  XXXX XXXX and XXXX of XX/XX/XXXXlate payments wrongly reported XXXX XXXX  XXXX XXXX, XXXX of XX/XX/XXXXlate payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX XXXX remove whole account XXXX XXXX XXXX XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX remove whole account or update all late payments 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights have been violated.

15 USC 1681 i have the right to privacy and did not give ( XXXX, Experian, & XXXX  to furnish these accounts. 

Reporting inaccuracy reporting Attachment proofs for all accounts XXXX XXXX XXXXXXXX amount {$1800.00} Is reporting a late payment on experian This account is updated /exceptional payment history on all other accounts Please investigate Update or deletXXXX XXXX XXXX XXXX0.00} Reporting inaccurate information Please investigate send documents Update or delete XXXX XXXX XXXX  amount {$890.00} Reporting inaccurate on experian & XXXX Investigate account XXXX Need final bill and sign agreement request Update or delete XXXX XXXX XXXX XXXX XXXX$2100.00} Reporting inaccurate information on experian & XXXX Please investigate XXXX final bill and sign agreement request Update or delete XXXX XXXX Reporting inaccurate on all three bureaus please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX all three bureaus Please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX  Account reporting inaccurate information Payments Please investigate this account Send any signed agreement from company Update or delete Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. it is an inquiry that is not mine. It is XXXX XXXX XXXX on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FC

RA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability
for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies with XXXX, Experian and XXXX and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the 3 major reporting agencies XXXX, Experian and XXXX that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.
Product: Checking or savings account

I am writing as a loyal and long-time customer of Navy Federal Credit Union to express my concern regarding several overdraft fees that have been applied to my account. Despite having sufficient funds available at the time transactions were authorized, I was still charged fees due to delayed posting of charges and credits.

This issue seems consistent with the recent CFPB findings, which highlighted similar practices at Navy Federal, where transactions were settled against insufficient balances even when funds were initially available. As a valued customer, I find these practices both confusing and concerning.

I kindly request a thorough review of my account and an investigation into these charges. I trust that Navy Federal will address this matter fairly and take steps to ensure transparency and fairness in its practices moving forward. 

Thank you for your attention to this issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a disputed debt with Affirm. I have sent them poof from the seller that the items were returned and credited yet Affirm refuses to acknowledge that. Their calls, texts and emails were so frequent that I told the. To stop contacting me but they have continued. I paid over and over each month and they are refusing to refund the amounts that I am owed nor stop hassling me. Now they are threatening to turn the accounts over to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.
Product: Debt collection

THIS COLLECTION IS REPEATLY PUT ON MY CREDIT REPORT DAMAGING MY CREDIT WITH THE OPENING DATES CHANGING EVERY TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry IS NOT an admission to this debt. 

On XX/XX/2022, I contacted Experian regarding a debt that is being reported on my credit. My credit report states the collection agency is XXXX XXXX XXXX collecting on a debt originally from XXXX XXXX XXXX XXXX. Back in XXXX, I reached out to the collection agency asking them to please provide proof of this debt including the original date of last delinquency to determine if this debt is time-barred ( meaning the statute of limitations window is closed ), proof of any signatures authorizing the opening of this account, and proof that I was notified in writing from this collection agency that they were attempting to collect on this debt and that they were reporting it on my credit. I received nothing. That's when I decided to dispute directly with Experian on XX/XX/XXXX. In the dispute, I included a copy of the correspondence I sent the creditor along with copies of the certified letter receipts verifying they received it. I assumed this would be resolved since I have never had anything to do with this creditor or collection agency. Unfortunately, Experian came back and said nothing changed. What puzzles me is upon speaking with an Experian rep in XXXX, he explained to me that most of the time when a dispute comes in labeled " Not mine '', their system automatically kicks it back as being " verified ''. 

The FDCPA ( Fair Debt Collections Practices Act ) requires a collector to send you a written notice containing the name of the original creditor, the amount you owe, a statement saying you have 30 days to dispute the debt and information on how to dispute the debt collection. Not only did this collection agency not provide any proof of the debt as I requested, but they also did not send me any notices regarding the collection of this debt as mentioned above. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who engage in this unlawful behavior.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX  Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting or other personal consumer reports

I have a paid charge off that has been reporting on my credit for a couple of years now. This paid charge off has a huge impact on my ability to secure favorable credit terms and financial opportunities. I have attached supported documents from the ACTUAL creditor. I kindly ask that you conduct a thorough review of my account and consider the removal of this paid charge off. I trust that this documentation will aid your evaluation and decision-making process.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX and XXXX XXXX XXXX
Product: Mortgage

I originated these two loans for two different properties with LoanDepot around XX/XX/2021. They have all of my insurance information showing insurance has been paid, etc. They have all of my property tax information on where taxes should be paid, etc. 

1. I recently found out that property taxes were not paid from my escrow accounts for these two loans. I reached out to LoanDepot when I found out, and they are still " researching '' the issue. Yet the property taxes are still unpaid and accruing interest from the city. I hope that they pay the interest from their own funds as this is their error. 

2. I received a threatening notice saying I do not have insurance on my property, and they would buy expensive insurance on my behalf if I do not provide them with insurance information. LoanDepot already has all of my insurance information. In fact, they apparently even paid the insurance on one of the properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon a routine check of my credit report I found this account with XXXX, for a Speedy Cash payday XXXX. Not only do I think this is not my debt, it should also not be on my credit report. Neither Speedy Cash nor XXXX put this on my credit bureau when it was allegedly opened, but never followed the normal collection cycle. Had I seen this earlier it would have been disputed earlier. They put this on my credit for one reason only, to force me to pay a disputed debt. This is " weaponization '' at its worst! No company should be able to put an account on a XXXX without following the entire cycle of originations thru charge off!
Product: Vehicle loan or lease

In XX/XX/2022 I refinanced car loan I had with Exeter through my bank. When I first got vehicle I was told my interest rate was under 20 percent and found out when I made first payment it was over so I refinanced through my bank six months after paying Exeter because my credit rate was good enough to get a loan through my bank for 10 percent less. While at my bank my banker obtained payoff amount for Exeter and we sent a check for that amount. Now Exeter refuses to give my bank the title and they cashed the check and still say I owe them money. Six months later and no title and so now my bank shot my interest rate up 8 percent and XXXX  is reporting my loan is late. I paid off the vehicle!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022