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

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

I am filing a complaint against Navy Federal due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Navy Federal failed to take timely and effective measure to prevent and and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, Transunion, and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXXXXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Product: Credit reporting or other personal consumer reports

This is the 2nd time I have called XXXX XXXX about not reporting end of month updates on the XXXX XXXX  and XXXX XXXX XXXX which I own. 

I am filing for a Refinance and can not get the accurat XXXX info on my XXXX report. 
I spoke to their Rep XXXX XXXX who called their Business office and they say they have no information showing updates for these cards from XXXX. 

I want it updated so I can get credit pulled and apply for a Refinance, due to this President jacking up the Interest rates and causing major inflation.
Product: Credit card or prepaid card

I recently checked my credit report and seen a credit card opened/closed from capital one in my name and {$540.00} is owed to the company.
Product: Mortgage

I purchased my house XX/XX/2018, I am in the process of suing the seller of my house for breach of contract, which has caused issues with paying my mortgage which was brought out by Flagstar Bank, I have been attempting to obtain mortgage assistance through Flagstar Bank since XXXX. I have submitted numerous documents but yet my case is closed due to no one contact me or even attempting to make contact with me through Flagstar Bank. They purposely do not reach out or send correspondence so that you are delayed and fall behind, I have left messages, emails, and even complained to the XXXX  because it is not right to offer a loan modification services and not able give the consumer to correct information or even process what is submitted. This company was sued 4 yrs ago for the same exact actions. I have spoken to XXXX, XXXX and even a " supervisor '' XXXX XXXX who was extremely nasty and unhelpful. I am still trying to figure out why I have to reach out numerous times to Flagstar to find out is needed because as stated my " case manager '' XXXX XXXX has made absolutely zero attempts to contact me or even mail me information regarding my mortgage assistance documents. I should not have inquire over 6 times to find out what is needed when I have a case manager and have asked numerous times to reach out me. I also asked XXXX XXXX to research why no one has outreached me or even made a phone call attempt and even though all of your calls are recorded I could get any information, nor was I given a reference number for the call or any other call made. I think this is the most unprofessional mortgagee company I have ever come across as if someone is being proactive all it takes is someone to actually do their job and make sure communication with the consumer is made. SO now I risk messed up credit and late payments due to the lack of respect this company has for its consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from Cash Central, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT XXXX XXXX-Disputed before yet still remains XXXX INCACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXX before yet still remains XXXX  XXXX ACCT # XXXX before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT XXXX XXXXDisputed before yet still remains XXXX ACCT XXXX XXXXDisputed before yet still remains XXXX XXXX, XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains XXXXI acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two hard inquiries on my Equifax Report on XX/XX/XXXX. One from XXXX Asking ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They both appear as Equifax XXXX inquiries and I have NO dealing with either company.
Product: Credit card

In XXXX of 2014 I placed an order with Amazon.com and thought I was using my own Visa card through my bank, what happened that I was not aware of was that they issued a new credit card thru Chase Bank and placed those items on that credit card I did n't know that this had taken place. 
I received a letter from XXXX XXXX collection agency stating that I owed Chase Bank XXXX the letter is dated in XX/XX/XXXX but never received this letter till XX/XX/XXXX. 
I called that collection agency at least twice and they said I would have to call Chase Bank Fraud dept. which I have done 4 times I have talked to XXXX different people and each time they say someone will call you back and they never do. 
I never received a credit card from Amazon nor did I ever receive a statement telling me I owed money, so when I got this letter I was totally surprised and knew I had not asked for a credit card thru Chase Bank. 
I have explained this to Chase Bank each time I 've called and offered to pay for the product that was purchased but not the interest that has accrued since I never knew of the credit card issuance. 
From what I can determine I owe XXXX and would like to pay that completely off. 
I have already cancelled that credit card so nothing else can be put on it. 
I am completely appalled with Chase Bank Fraud dept. they have nothing to do with helping people and their issues, their working for Chase Bank and trying to pull money from people that is n't there 's! Please help to get thru so I can illiminate this issue. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a collection in the amount of {$2300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) I have XXXX  XXXX and was not able to continue to live in the apartment I was renting due to a neighbor smoking XXXX. The smoke was permeating my apartment and it was intolerable. A legal substance or not, I rented the apartment because it was no smoking. If the neighbor in question was smoking cigarettes I would still have had the same issue. I can not tolerate smoke and/or smell of any kind due to my XXXX XXXX reactions. I have attached a copy of a letter from my Physician verifying the physical reactions I have due to toxic smoke in or near my immediate person. I sent a letter to XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX outlining my concerns and the health issues I suffered due to XXXX XXXX unwillingness to let me out of my lease and forcing me to stay in the apartment. XXXX had a responsibility to provide me with a safe and healthy place to live and they failed. We could have come to some resolve if the management would have been willing to discuss the situation with me however, they never responded to any of my letters and/or phone calls. I had not choice but to vacate the premises. My health was the most important issue and I received no support from the apartment complex. Consequently, this collection was sent in error by the apartment complex and this false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am submitting this complaint myself and there are no third parties involved. XXXX, XXXX and Experian are in violation 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance Transactions that are not initiated by the consumer ( 1 ) In General a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of the subsection ( a ) ( 3 ) in connection with any credit or insurance that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( b ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) Information regarding Inquiries Except as provided in section 1681g ( a ) ( 5 ) of this tittle, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. I the natural consumer never authorizes or initiated .This shows pursuing to 15 U.S. Code 1681e - Compliance procedures Experian, XXXX and XXXX XXXX in violation of section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial wellbeing.
Product: Mortgage

Notice of cause to action I sent aeeter to this company on XX/XX/XXXX and the XXXX i hope it reach you to help with the reason for my ongoing dispute. It is a notarized certified mail package and letter that is being delivered to you. Notice of a ten day including weekends and holidays for me to receive a fully investigation for an answer. A no response at the ten day mark will be viewed as a no response and I will be filing a no rebuttle next.
Product: Consumer Loan

In XXXX XXXX, I purchased a new XXXX XXXX, and obtained financing with Fifth Third Bank for {$12000.00}. After setting up automatic withdrawal from my checking account, in XXXX XXXX, I changed banks. I transferred the automatic payment from the old account to the new XXXX, but the withdrawal was delayed through no fault of mine or my bank ( XXXX XXXX Bank XXXX. Nevertheless, it got squared away ; and I made XXXX payments through the XXXX XXXX XXXX to get the account squared away. 

The second major discrepancy occurred in XXXX XXXX, when I called to stop the automatic payment program, and requested Fifth Third Bank ( FTB ) to send me a monthly payment coupon book. I never received the payment book, and a couple months later, a repossession company attempted to reclaim the truck. I called Fifth Third, asking why I had not received the payment coupon book, but they were clueless. I made XXXX payments to get my installments up to date, along with a {$160.00} late charge. 

This XXXX late payment has continued to generate a {$20.00} late charge, not just once, but EVERY MONTH since XXXX. Paying a {$20.00} late charge because XXXX payment did n't occur is okay, but having it continue to accrue is unacceptable. 

On XXXX/XXXX/XX/XX/XXXX, I wrote to XXXX XXXX, XXXX at Fifth Third Bank ( FTB ), regarding the situation, but never received a reply ; On XXXX/XXXX/XXXX, I wrote to XXXX XXXX, also in the Office of XXXX FTB, but never received a reply ; In XXXX XXXX, I spoke with XXXX XXXX, also in the Office of the President at XXXX. 
On XXXX/XXXX/XXXX, I sent XXXX letters by certified mail to the XXXX individuals named above, along with a detailed XXXX spreadsheet I created listing all the payments I made, including the Late Charges FTB generated, and noting where the Principal payments were erroneously applied to the interest. 

In XXXX, I called XXXX XXXX. He informed me that he had received the spreadsheet, was analyzing it, and was required to reply by XXXX XXXX. On XXXX XXXX, I again called him, and he gave a vague response, acknowledging that his response was not forthcoming. 

All I have received since sending in the spreadsheets and talking to XXXX XXXX is a XXXX history of my loan payments, along with a form letter saying y account is seriously delinquent. FTB 's deplorable customer service is exemplified by the following four notices:1 ) On XXXX/XXXX/XXXX, my balance due was {$580.00}. 
2 ) On XXXX/XXXX/XXXX, my balance due was {$780.00}. 
3 ) On XXXX/XXXX/XXXX, my balance due was {$650.00}. 
4 ) On XXXX/XXXX/XXXX, my balance due was {$460.00}. 
It would be expected that the balance due would increase in time, but this fluctuation up and down is beyond confusing. 

I have spent a long time looking over the XXXX pages of my Installment Loan history, which I have copied and enclosed. I numbered each payment, and transferred all the amounts to an XXXX spreadsheet to get some totals. I hope you or someone can make sense of the figures.
Product: Debt collection

I dont know this credit collector XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2018 {$690.00} Collection. Now my credit is down because of this. I never go somewhere else only my Doctor I always see from XXXX XXXX in XXXX MA. I was XXXX from XX/XX/2018 to XX/XX/2018 I had XXXX as my insurance I dont know why they put my name in credit collection. Please help me I dont know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, XXXX and TransUnion from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX, and have confirmed that the reported information is incorrect. Below, I detail the inaccurate information : Account : XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Type of Inaccuracy : XXXX late payment Date Reported : XX/XX/2024 Account : XXXX XXXX XXXX XXXX Credit Card ) Account Number : XXXX Type of Inaccuracy : 30-day late payment in XXXX and XXXX Date Reported : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate and verifiable information included in my credit report. Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies must investigate any disputed information within 30 days. This information reported by XXXX XXXX XXXX and XXXX XXXX XXXX is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this dispute and remove the incorrectly reported late payments from my credit report.
Product: Debt collection

I have a so-called unsatisfied collection account debt with a Co. called LVNV Funding otherwise known as Resurgent Capital LLC. I have had many communications via phone from this Co. but they have NEVER resolved the issue or even sent me any kind of supporting documentation regarding such account. 

This account is originally dated XX/XX/2017. The original creditor is XXXX XXXX XXXX. The amount in question is for {$660.00} this has never been verified with me nor was a bill ever sent to me. This account incurred fraudulent charges and a fraud report was issued to original creditor.