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

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b).
Accounts to be Blocked and Deleted:
 XXXXXXXX XXXX XXXX XXXX XXXX - $00
 XXXX XXXX XXXX XXXX XXXX  - $00
Inquiries to be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX  XXXX  should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Product: Mortgage

Received HAMP modification in XX/XX/2013. Included a principle forbearance. Not one time in 5 years after modification did I receive any documentation reminding me about the forbearance amount or how to repay it. On the Wells Fargo statement it only included the payoff for the reduced principle. When I went to sell the home there was a lien attached as a second mortgage to some company whom I had never heard of stating that I owed XXXX dollars at settlement. I find this forbearance from the government should have been treated like a debt and made known at least monthly or yearly of the amount and I the consumer should have had the option of paying it down. Wells Fargo had no information about this debt even though they were the writers of the contract that included it. Every time I called for a payoff it never was mentioned that this needed paid off also. Two days before settlement is when I found out that I owed it and who I needed to pay it to. The company or the government should have given options for repayment to me at the time of the loan modification. I was never given this information. I feel like I was set up to fail in the end even though this program was meant to help struggling homeowners. They failed to disclose this information to me during the life of my home ownership.
Product: Debt collection

Upon reviewing all the credit reporting agencies files on myself, I discovered two major errors and I have already filed a complaint with your organization about one of them which is reporting that I owe a student loan. This one is about an auto loan that was paid and discharged in my Chapter XXXX case in XXXX. 
On or about XX/XX/XXXX, almost four years after the Chapter XXXX plan was completed and discharged, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) reported that I still owed {$320.00} on said auto loan that was secured in a Chapter XXXX plan filed in XX/XX/XXXX and successfully completed and discharged in/about XX/XX/XXXX. I went in person to the bank and was told that would be handled by the Asset Recovery department and they did not meet with account holders in person. I was given the name XXXX XXXX and a phone number ( XXXX XXXX XXXX to call and discuss the matter with. I called him from home & left a message. He called me back the next day and I explained that the auto loan was in fact in the Chapter XXXX plan that was completed and that the charge off of {$320.00} was not accurate nor should it be on my report. He said he " fixed '' it but it would should show a charge off and hung up. I am filing this complaint in response to XXXX XXXX XXXX XXXXXXXX XXXX XXXX putting inaccurate financial information on my credit report and seek to hold them liable for damages to my credit score and file and for them to remove any and all financial information that was paid or handled through the Chapter XXXX completed and discharged plan. 
Thank you for your assistance in this matter.
Product: Debt collection

This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I never gave any of these companies my information, by law this is illegal. 
DELETE HARD INQUIRIES DELETE COLLECTIONS
Product: Checking or savings account

i would like to file complain with BMO bank, for holding my refund and not releasing it back to my acct. even when merchant successfully refunded me, this is not the first time i have encountered this with BMO holding my money & not releasing, this particularr refund /transaction was cancelled & refunded on XX/XX/XXXX, according to XXXX XXXX XXXX & everyday i see the amount pending & BMO system keep 's changing the date of the transaction to hold the refund longer .i will attached proof below amount is {$850.00} date of the transaction XXXX XXXX refunded-march XXXX same day & cancelled by XXXX XXXX XXXX XXXX online banking show 's inaccurate date the said transaction and as fallow 's XXXX XXXX amount {$850.00} PENDING XXXX XXXX amount {$850.00} PENDING ( previous date & original transaction was changed to XX/XX/XXXX. ) i will attached proof below note that this incident has been happening with my acct specially when i have a refund not the first time & refund from them ( ( BMO Bank ) take 's forever sometime 's week 's to resolve until we file and escalate the issue & thats the only time that the bank will do something to released the money.
Product: Mortgage

In XX/XX/2020 I Applied for a Refinance thru my current Lender US Bank which took over XXXX mths to close without any reasonable or good cause. I requested multiple times to my agent a Supervisor or a Response and it just dragged for what I truly believe was a Discrimination due to my XXXX and my sons XXXX. In XXXX I finally closed after my persistence with them and in XXXX I also involved HUD to do an Investigation which I am currently waiting on decision. 

I honestly did not expect this treatment from Us Bank nor I want this to happen to another person due to their ethnicity or XXXX. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, My name is XXXX XXXX. I am writing to file a formal complaint regarding a collections account initiated by XXXX XXXX XXXX. 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-s2 ( 7 ) ( a ), collectors are required to provide accurate and complete information to credit reporting agencies. However, there have been inaccuracies reported to credit bureaus regarding this collections account, which has negatively impacted my credit score unfairly. I am requesting these accounts be investigated in accordance with FCRA section 611. Procedure in case of disputed accuracy. An inconsistent pattern of inaccurate reporting is illustrated within this report ; 1. Pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. The demonstration of that violation is because XXXX XXXX has been applying fees without reporting those fees with the credit bureaus. In addition to that they XXXX XXXX has a GARNISHMENT against me that theyve been collecting payments on but NOT reporting those payments on which the CURRENT status is OPEN. THIS COLLECTION COMPANY FAILED TO INLCUDE FEES WITHIN THE REPORT THUS SHOWING SIGNS OF DECEPTIVE AND ILLEGAL COLLECTION PRACTICES. 
2. Under consumer law 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) you have 5 days to notify me, provide proof of compliance and that you have bought my debt from the previous collector.

and you guys failed to do so.

3. Furthermore, I needed you guys to provide me with an assignment of debt or the agreement between you, the collection agency and the original creditor. 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) this subjection requires that a debt collector include specific information in the initial written communication. SPECIFICALLY, IT MANDATES DISCLOSURE OF : THE DATE OF DEFAULT OR LAST PAYMENT, THE DATE OF CONSUMERS LAST PAYMENT ON THE ACCOUNT.

I have attempted to resolve these issues directly with the collection agency and collector but to no avail. Therefore, I urge the CFPB and other Agencies to investigate this matter thoroughly and take appropriate actions to ensure compliance with consumer protection laws. 15 USC 1681s2 ( a ) : Duties of Furnishers of Information This subsection focuses on ensuring that the information reported to credit bureaus is accurate and not misleading. It includes several provisions : Duty to Provide Accurate Information : Furnishers can not knowingly report information that is false or misleading to CRAs.

If the furnisher later discovers that previously reported information was incorrect, they are obligated to promptly delete it.
Product: Credit card

I had fogotten to add new account number which was changed. 
Therefore, I had a return payment, including {$30.00} fee. 
I had chat with customer services and pomised to refund {$30.00} on XX/XX/XXXX. I can see the refund {$30.00} ; however, it was not applied to my account. It still stays on my acount. 

On the top of that, they submitted a request to the credit bureaus about delinquency that occurred from XXXX. 

I paid everything on time before the due date XX/XX/XXXX. I paid on XX/XX/XXXX and XX/XX/XXXX. 

I do not understand why it was delinquency when I paid it on time. I had a chat with the account manager. He states, they have no control over the reports sent to the credit bureaus as these are system generated. They should fix their system. This effects on customers ' credit reports which is not correct. 

However, they were not willing to fix the problem which was incorrect.
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 tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX GXXXX XXXX XXXX  ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus and Self regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, AXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, DEPT OF XXXX XXXX Account # XXXX, XXXX, XXXX, 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( LISTED BELOW ), 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. XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Chap XXXX XXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of XXXX now remove the accounts or I'll sue for violation of my rights under the constitution!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Navient trying to collect while these loans are federal order of Deferment per the US presidents order.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.
Product: Checking or savings account

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX On XXXX XXXX XXXX there was a series of unauthorized transactions that were charged on my Bank of America checking account. I did not receive any fraud alerts or notifications to confirm charges. On XX/XX/XXXX after login in to my online banking, I discovered the fraudulent charges and immediately notified Bank of America. I disputed the fraudulent transactions and was told that I would receive a residual credit in 10 days. On day XXXX they denied the dispute. I contacted Bank of America to find out the reason for the denial and the rep stated that the notes said that I " told the agent taking the claim that I wrote my pin number on the debit card. '' I told the rep that I never said this and that they could replay the phone call because I knew the calls were recorded. The rep stated that she would re-open the claim for reconsideration. 3 days later they denied the claim again but with different reasoning. This time I was told the reason for denial was because the account was never depleted. ( Basically stating that if a fraud had occurred, the account would be empty ) I was giving no other means of appeal. Unauthorized charged are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.