23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Dear Sir or Madam : Consumer Financial Protection BureauRe : Dear : INVESTIGATORThis letter is to complaint about a problem I am having with the Credit Agency on a chapter XXXX case from XXXX XXXX, XXXX that has been dismissed close since XX/XX/XXXX XXXX. I been trying to repair erase and remove from credit report since XXXX XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit and this contribute for me to pay more interest on any credit that I try to open I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their reports letters and other relevant documents with dates of close and dismissed dates unfortunately the problem remains unresolved. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CHAPTER XXXX DISCHARGE ON XXXX/XXXX/XXXX I am requesting that the item be removed and to correct YOUR FILE information. 
Enclosed are copies of supporting my position. Please re-investigate this matter. 
Thank you for your anticipated assistance in resolving my problem.
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I was awarded a judgement against USAA in the amount of {$5100.00} plus {$52.00} in filing fees, with interest from the judgement date, for monies fraudulently taken off my credit card, XXXX XXXX ( Virginia ) General District Court case number XXXX. I sent the judgement to USAA on XXXX XX/XX/XXXX and they received it on XXXX XX/XX/XXXX. USAA has failed to acknowledge or pay the judgement with associated interest. 

This judgement comes from filing three separate cases in court. The second made it to trial where USAA was represented by a lawyer who had the case dismissed based on the statute of limitations. As I was not privy to the statute, I could not properly respond. I researched the statutue, found that it had not expired, and subsequently refiled the case. 

The monies were fraudulently taken off my credit card in XXXX by my ex-wife while I was visiting my XXXX father. Tens of calls and letters were made and sent to USAA in an attempt to find out what had happened. In XX/XX/XXXX, USAA admitted they gave my ex-wife access to the account without my permission or consent, stating it was a " family matter. '' This is the second complaint I have made to the CFPB regarding USAA, the first was on XXXX Augusst XXXX, complaint number XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove them from my report as they are hurting my ability to obtain credit.
Product: Mortgage

My mortgage company, AmeriHome Mortgage sent notice they did not receive a payment from XXXX, XXXX or XXXX. This is false as I have the bank statements proving payment went through. They have not credited the account and are in error. I just want this resolved so I am not put falsely in default by their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft
Product: Checking or savings account

I went to the bank on XX/XX/XXXX to do some banking and the teller looked at me like something was wrong. I asked her what was up and she said there was a different name on the account than what I gave her. Come to find out my ex was on my account from XXXX. She was supposed to have been removed in XXXX but never was. Her name was even updated in my account to show her married name. I have requested information as to what is going on with my account and nothing. I then woke up on XX/XX/XXXX to find I had zero access to my online banking. Seems they were doing some fixing on my account and locked me out. Police report is attached
Product: Vehicle loan or lease

Ally bank took XXXX inflated payments out of my bank account in XXXX XXXX after telling me that a re-payment plan I was on had been cancelled. They continued collection activity during this time and ignored multiple requests I made to stop the automatic payments and to help me repair the condition of my account. In XX/XX/XXXX, a collections supervisor realized what had happened and promised to give me an extension. A few weeks passed and Instead of an extension, the automatic payments were finally cancelled and the car was repossessed. Further attempts to correct this with Ally have been unsuccessful thus far.
Product: Credit card

In XXXX of 2022 I purchased a power tower, Olympic bar, pull up bar, barbells, dip bars, and weight bench. The pull up bar was missing items, the dip bars were cross threaded and missing items, the weight bench was torn and missing spacers, the barbells never even arrived. 

XXXX refunded the barbells and promised a 20 % refund for the order as well as I could keep the dip bars and pull up bars with a full refund on that. I only received the refund for the Barbells. 
I have since then filed an excess of claims with Paypal, had them approved, and then had the charges reassessed. I have had 2 American customer service agents agree the charges shouldn't have been reassessed. 

I have spent in excess of 20 hours on the phone with these people instead of working for my customers.
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 accounts 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
Product: Debt collection

The debt collector, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, XXXX, XXXX, has continued collection efforts against me although the XXXX XXXX  statute of limitations for obtaining a judgment against me has expired.
Product: Mortgage

XX/XX/XXXX I purchased a home using my VA home loan certificate. As of XX/XX/XXXX I am property tax exempt Due to receiving the XXXX Veterans ' Standard Homestead Exemption and based on my XXXX rating. But the way XXXX XXXX did the closing paperwork and cost, I have to pay the taxes owed for XX/XX/XXXX-XX/XX/XXXX. Now as of XX/XX/XXXX The money Source ( TMS ) received the full tax bill for the 8 months owed and paid out the full amount, so I owe {$0.00} and they have this on their records and the tax exemption document from the county. Now they tell me they have to do an Escrow analyst and that can take 60-90 days ( 2-3 MONTHS! ) and its scheduled to be complete on XX/XX/XXXX. So I have to pay over {$500.00} a month in property taxes ( That I dont owe ) until XX/XX/XXXX ( which means XX/XX/XXXX will be the first month with new monthly payment ) then they will cut me a check for any amount over {$50.00} in my escrow that isnt owed. Why are they legally able to keep collecting a large amount that I do not owe and they have everything required to adjust the payment accordingly? It seems as they are holding/collect longer than they should be. 


Loan # XXXX Mr. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Stop removing this acct from XX/XX/XXXX. This was fixed and now its wrong again.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES, INC.  Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that NCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) On XX/XX/2018, a XXXX XXXX representative ran a credit application without my consent, which caused me to have an unauthorized inquiry on my credit report. I contacted XXXX XXXX, they did their internal investigation and confirmed that the application was unauthorized. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 

( 2 ) On XX/XX/2018, someone opened a XXXX cellphone account in my name. the phone was sent to me. I contact XXXX and informed them of the issues and indicated that I did not attempt to open a new account with XXXX. The cellphone was returned as instructed and after they completed their investigation they too confirmed that the account was a fraudulent account. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 


I have filed disputed with Equifax at least XXXX times regarding these issues and attached copies of the documents that were forwarded to me from the above companies to use as proof, but Equifax refuses to remove the inquiries from my credit file.
Product: Debt collection

I had opened an account with 1st Franklin financial back in XXXX for a secured loan. I had fell behind on payments due to me losing my job. I put my car as an collateral and they took it and havent heard from them since until now saying I owe them XXXX and that they are taking legal action against me and are sending the cops to my home and my mothers home trying to sue me. And on my credit report it says the account was opened I XXXX of XXXX which is not true I have proof it was in XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees. I have occurred despite having sufficient funds when transactions were authorized. I want charge fees due to lag posting of charges and credit this issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices where transaction settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation of my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested removal of personal information  (  addresses & also known as ) 2 times. Both times EQUIFAX has claimed the information was removed ( included all records for proof & showing today 's information ) but when I check my records it 's still listed on my credit report. I need this information removed immediately as it does not belong to me nor have I lived at these addresses ...     Additionally, I have no clue how they go about remove or re-adding information but I 'm sure its a violation of the FCRA. I would like sanctions brought against Equifax ...
Product: Mortgage

I initially started a refinance mortgage with our current lender PennyMac only to find that they were unable to lend us enough money. Another lender was willing but needed a copy of the VA appraisal - that we paid for - to finalize the deal. My original request was on XX/XX/2019. As of this writing the VA appraisal transfer has yet to take place despite six phone calls, even more emails, to loan officers, customer service and the like. Yet what do I get for my faithful payments as a customer from XXXX - NOTHING. The current lender is now going to have to charge me {$1200.00} more because of the delay in transferring a simple VA appraisal from one lender to another - what strikes me as a fairly standard, and simple, process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice To Update My Personal Information To Whom It May Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 
REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : I do not wish to have employers listed on my report for my safety and privacy I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases, and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the U.S. Post Office, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XXXX is showing a collection of {$240.00} from XXXX XXXX that was reported XXXX XXXX, XXXX. This debt was satisfied with XXXX in XXXX and they are still showing it. Disputed from Equifax and they claimed that they deleted the collection last year but the lender was XXXX now its showing as XXXX XXXX. It seems like the debt was sold to another collection agency. This is hurting my chances to rent a condo and it needs to be resolved immediately. I am not finding any Telephone number for XXXX XXXX to expedite a resolution. Please help Thank you.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.

15 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: Credit card or prepaid card

i opened this card with cap one in XXXX with a offer mail to me for 0 % interest till XXXX XXXX, as i am trying to re build my credit after my ex trashed it i thought this was a good idea. as of today i have a XXXX balance, i was mailed another offer a few weeks ago for another card for 0 % for 8 months so i applied for that thinking i can move my balance to that card and give me longer to pay on my balance on the account, all my payments have been made on time and in full non have been missed. after i applied, i was told i cant pay one card off with another card from the same company and the offer does not say that, in the mean time i closed the open card with the balance and it tanked my account 85 point on my credit because the offer was misleading and deceptive to get people to apply for this card, i had called multiple times in XXXX and prior to XXXX/XXXX/XXXX to obtain what my new rate was after the promotion and no one could tell me nor could they offer me another promotion until after this one ended on XXXX/XXXX/XXXX. today i get my statement with a late fee for XXXX because my payment that was made on XXXX/XXXX/XXXX which is my due date did not credit cap ones system until XXXX/XXXX/XXXX the same thing as last month and they had no issue waiving it then since i made it the day it was due but the system had not applied it till the next day. its not like i paid 5-8 days later it was the due date. today the rep i got refused to escalate my cal said his manager only deals with administrative issues and not customer calls, its so ridiculous that they charge this after one day, every other bank has a 5-10 day grace period and they wont budge on one day, he refused to remove my fee and said my rate is what it is and i knew about it when i got the card in XXXX, no my rate was 0 and now its 23.99 % i have NEVER IN MY LIFE paid more than 6 % and had i been told about that rate then i would never have applied for that card. i feel since i was a woman and white i am being discriminated against by the rep i spoke to today his name was XXXX id number XXXX, he would n't give me the reps name i spoke to prior to the transfer only her id number XXXX. i do not think should have to pay this insane rate on my account nor should i have the late fee on it.
Product: Debt collection

This is not my debt and information was stolen. 
XX/XX/22 {$1000.00}
Product: Credit reporting, credit repair services, 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. 

US Dept of EDXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX , 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 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.

15 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: Debt collection

Fortiva Retail Credit has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a Fortiva representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.
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 1

5 USC 1681. 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. 15 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: Credit reporting or other personal consumer reports

Everytime I dispute my report that my XXXX XXXX  Account balance and payment history is incorrect,, nothing is corrected from the dispute or even when I personally contact them they still don't correct it.
Product: Credit reporting or other personal consumer reports

There are fraudulent items on my credit report resulting from the unauthorized use of my personal information, and I have not benefited in any way from these transactions. Fully understanding the seriousness of the situation, I immediately reported the fraud to the Federal Trade Commission, hoping for a swift resolution. However, despite taking all the proper steps and notifying the appropriate authorities, these unauthorized items remain on my credit report. The continued presence of these fraudulent entries is not only frustrating but deeply disheartening. I am forced to deal with the unfair consequences of someone else misusing my information, which is taking a toll on both my financial stability and emotional well-being.
Product: Credit card

I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees.