23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CashNetUSA XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. CashNetUSA LLC, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXXXXXX XXXX I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to XXXX XXXX, XXXX on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today XXXX XXXX XXXX, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting XXXX XXXX website, I couldn't even find the case file. XXXX XXXX XXXX, also stated their client who I presume would be CashNetUsa, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
Product: Checking or savings account

Navy federal keeps charging NFS fees after a week of something being pending for transaction. Its been going on since I got my bank acct.
Product: Credit card or prepaid card

Ive had a credit card account with discover since XXXX. Since then I have attempted to increase the credit limit three times, two of the most recent time being this year. Each time, I am told my credit limit cant be increased but I can not understand why. When I first received the credit card, I was a XXXX XXXX with no job. Albeit now I am a working class member of society making solid income, have a solid credit shore, and I pay each statement on time, so I can not understand why I have not been granted the increase. It makes absolutely no sense. The small limit that I have can barely manage emergencies which is why I dont really use the card. But as soon as I stop using it, I receive an email telling me Im offered 0 % interest for the year. It makes no sense Discover!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX has continued to violated my FCRA rights they continue to be in violation of numerous complaints I have submitted and question there integrity on a throughly investigation of these fraudulent accounts which I have summit documentation including police report of fraudulent account, and FTC report as well to them. Im demanding for these account under 15 U.S.C 1681 b ( a ) 2 to be remove from my credit report immediately!!! 

Equifax and XXXX has violated Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request I demand Equifax to remove this fraudulent account XXXX XXXX  account XXXX XXXX Equifax has violated 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX XXXX  has falsified an agreement statement in my credit report I have not sign any written agreement with this company this fraudulent account by this collector is in violation of 15 U.S.C 1692 d 15 U.S.C. 1692 a section C 15 U.S.C. 1692 a 15 U.S.C. 1681 C-2 15 U.S.C. 1681 g section XXXX XXXX XXXX - most be removed from my report as well immediately due XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX is in violation and has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. This account is pay in full as agree and must be delete from credit report Immediately!!! And has been in violation of 15 U.S.C 1681b ( a ) 2 15 U.S.C. 1681 g section 1
Product: Credit reporting or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. The accounts belong to my father not me. 

XXXX {$4900.00} XXXX XXXX XXXX XXXX ) {$1200.00} XXXX XXXX XXXX XXXX XXXX ) {$540.00} XXXXXXXX XXXX XXXXXXXX {$770.00} XXXX XXXX XXXX XXXX {$6600.00} These accounts belongs to my father.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 


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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX And Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from your bureau, I found several inaccurate and misleading items that are damaging my creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Hello, I received this email after providing my personal and bank details. 
please help me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Office Of The U.s Treasury department Address : XXXX XXXX XXXX XXXX Washington, DC XXXX, United States Of America. 
Office in contact : XXXX XXXX XXXX XXXX XXXX XXXX, Commissioner of the U.S. Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ). 
Email : XXXX XXXX Phone Number ; XXXX Hello XXXX XXXX, How are you doing today and how is your family? I write to give you a positive update about your already transferred funds ( {$950000.00} ) The transfer has been confirmed positive and the Federal Reserve account has been debited of {$950000.00} in other words you are {$950000.00} richer. 

I just got a notification from the Internal Revenue Service IRS as regards the interception on your funds reflection demanding for tax clearance of your already funds transfer, according to IRS it is mandatory that for such transfer to ascertain reflection within and outside the United States of America, tax must be observed please check attached document. 

I have made provision to ensure your funds hit your account same day of payment so I will advise you download attached, read carefully and proceed with the payment of the procurement of the Tax procurement document which is {$950.00} with details as below to the secretary of the IRS : Bank Name : Wells Fargo Bank XXXX : XXXX XXXX XXXX XXXX Va XXXX Account : : XXXX Swift : XXXX Account name : XXXX XXXX Account holder address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TN XXXX I will be waiting to hear from you thus the payment details or payment slip after fee has been paid. 

I will plead with you to ensure you donate to the orphanage home when your funds hit your account because they need our help. 

XXXX XXXX XXXX XXXX XXXX, XXXX of the U.S.

Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ).
Product: Debt collection

Account was opened on XX/XX/2020 but I do not know what account was opened as nothing is shown on my credit cards or in email. There is no number for amount past due. The initial balance went from XXXX to XXXX with no indication of last payment as XXXX I dictated there was no payment made. I received an email today XX/XX/XXXX that I just opened the account without my knowledge.
Product: Debt collection

I disputed the information in my credit report. No validation or originals were provided. No investigation to validate debt was performed. Please remove from profile XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and XXXX XXXX  on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Product: Money transfer, virtual currency, or money service

I found a dispute yesterday on XX/XX/year> and this company did not fully investigate my dispute because I have the police report number that I gave them which is XXXX in XXXX, Tennessee, which shows that my car was broken into and that my phone and personal information such as credit card card book bag XXXX, so much more was stolen. More importantly, my phone, which has my cash app card on the phone is a backup phone as well as the actual card. They did not properly or fully investigate. They denied it the next day, which tells me they did not reach out to the police or the detective over the case or even look at the police report to show that its proof that my stuff was stolen. This was a very unfair and not through investigation there was no investigation. They just denied me because they didnt wan na give me my money back, but they have to give me my money back because Im a victim of theft. And theres proof of that theres no way they shouldve been able to deny my dispute since I have a police report number.
Product: Mortgage

Specialized Loan Servicing continue sending me notices encouraging me to contact them to discuss possible loss mitigation options. 
Document #! dated XX/XX/2019. 
Although SLS says that they are not sending me foreclosure notices, this letter is the first of many notices to follow that will include foreclosure notices. 
I am not delinquent in payments. I surmise that because SLS has a carrier to pick up their mail because payments are sent to a XXXX   XXXX number XXXX, mail is late posting. 
My scheduled payments are timely, however when you have a carrier delivering mail it may be late receiving. 
I want SLS to put all my correct information in their main frame. Neither department knows what the other department is doing. I have response letters dated XX/XX/2019, from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, then a letter of mortgage delinquent notice dated XX/XX/2019. 
I tried to call XXXX and XXXX at XXXX giving their ID numbers and was told that their was no such person in the company. 
Loss mitigation, escrow, loan servicer, LPI, hazard insurance, mortgage loan, analysis, foreclosure sale, customer care support, and any and all other service departments needs to get into each and every main frame and correct my account information. 
From each and every correspondent they maintain that I never sent the ( elephant in the room ) declaration page XXXX proof of insurance. Which is a bold faced lie because I sent the same document of proof to you and to them several times throughout this process. Even the 3rd party XXXX sent the document. I sent payment XX/XX/2019 {$770.00}, XX/XX/2019 {$770.00}, then received a letter from SLS about a reduction adjusted to my account for the month of XXXX. 
If I'm behind as SLS maintains why did I only have to pay {$400.00} for my XXXX ( money dated XX/XX/2019 {$450.00} ) payment? SLS also sent me a refund check. 
I'm demanding that SLS correct every departments main frame as it relates to account # XXXX. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.
Product: Debt collection

Collection agency have put this account on my credit and causing damages, I have requested them to provide me with the following below 1-original contract I signed for this account 2-months/dates of all late payments 3-fill ledger of all payments I made in this account 4-the proof that they are legally allowed to collect on this debt 5-The date of last payment I made on this account
Product: Bank account or service

I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries, I have attached my FTC report to this complaint to prevent further stall tactics from EXPERIAN
Product: Credit reporting or other personal consumer reports

Dear CFPB, Re : Dispute of Negligence and Noncompliance Under FCRA Section 1681o I am writing to formally dispute and address concerns regarding XXXX XXXX XXXX  XXXX XXXX and XXXX as reported by equafax and transunion that has negatively impacted my credit file. I believe this matter is a direct violation of Section 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines civil liability for negligence in failing to comply with FCRA requirements.

Issue Summary : I discovered that Equifax and TransUnion failure to investigate a dispute. I immediately took the necessary steps to dispute this issue, as required by the FCRA, but the issue was not resolved in a timely or proper manner, leading to further negative consequences.

As per FCRA Section 1681o, a consumer reporting agency, as well as the entities providing information to the credit reporting agencies, have an obligation to maintain and report accurate and complete information. Further, any failure to comply with this responsibility due to negligence can result in civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 60 days ago, and have not be notified. as a consumer I feel like these XXXX are taken advantage hard working normal people.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 has reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX
Product: Mortgage

My wife and I are in the last stages of refinancing our home in North Carolina. We are working with United Trust Bank for the refinancing. Back in XXXX of XXXX  we did a loan modification through U.S. Bank, due to XXXX  XXXX and being out of work. Everything was going well with the loan modification until we got to the title. Our loan payoff amount is {$120000.00} and the modification or partial pay is {$41000.00}. The payoff we received from U.S. Bank matched those numbers exactly. When the title company did a search on the title, they found that the VA was also on the title as a possible lien holder, and it looked like a double payment of {$41000.00} plus the {$120000.00} was due. We contacted the VA and were told that they never approved this action. They also commented that U.S. Bank had sent them the paperwork twice, but it was sent back because it was incomplete and never received anything more from U.S. Bank. U. S. Bank anticipated approval from the VA and went ahead with the title recording. We have contacted the bank numerous times with no luck in getting this removed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX.