23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

After paying the large amount off in full, I asked the associate if I would have any occurring fees ( conversation was recorded the day of pay off ), she said no as I was paying off the account in full. I asked several times and and she explained since I was paying off the total balance, I would not have any fees. Roughly a month later, I received a credit alert on my credit score as it dropped XXXX points. When I investigated, I saw that I was in collections from the account I paid off in full over a XXXX cent fee on the account that showed I was over a month late on. When I called, the manager took off the XXXX cents but explained because it was a fee that posted 4 days after I paid off the full balance from interest that they could not remove the derogatory remark from my credit score, yet they removed the XXXX cent fee. My XXXXredit score has suffered XXXX points due to this error from US Bank Card Services. 
I paid off the balance in full according the card balance/statement on the phone with an associate. 
I was not called to resolve this otherwise I would have paid the amount off with my pocket change. Being I am a full time XXXX XXXX XXXX XXXX employee who assisted in fire response all summer, I did not have time to continuously check an account I had paid off in full ( which is why I paid off the large balance in full ) and was verified there would not be occurring fees after the pay off. 
Furthermore, at the day of pay off, I asked to close the account but was advised that my credit history would be deleted which would negatively impact my credit score. If I had closed the account, the XXXX cents theyre system added in error would have never happened. My credit score today would be XXXX points higher if I had just closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran credit placed credit inquiries on credit reports I didnt apply for credit with company
Product: Vehicle loan or lease

I told the company that I couldn't afford the payments and fix the car. Car dealership had went out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
Product: Credit reporting or other personal consumer reports

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax Trans Union and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Product: Checking or savings account

As of I know like on 2020 The CFPB ordered TD Bank to pay {$120.00} XXXX in restitution and fines for charging Overdraft fees to Customers who enrolled in a free Overdraft Service. The CFPB also alleged that TD Bank used deceptive tactics to enroll customers and that the bank charged unlawful fees without proper consent. This time also this fraud TD Bank not stopped charging Overdraft fees from there customers account as mine. 

By not having some funds CFPB can't believe this fraud Bank charged {$100.00} Overdraft fees from my account than again they charged one more {$35.00} fees from my account. Total they charged {$140.00} from my account. They never wait 24 hours and charged immediately {$35.00} to make money and after sending notice to them they won't reply back or won't canceled the fees from my account. 

No Bank ever charged so high fees from my account as {$140.00} ever which TD Bank charged to make money. After paying {$120.00} XXXX fines to CFPB they didn't stopped charging Overdraft fees from customers account to make money and get back there {$120.00} millions from customers. So I request CFPB to get me back my {$140.00} from TD Bank who did fraud with me and can't wait 1 or 2 days to deposit money in there account because customers can't check there account balance every minutes or hours online. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries on my credit report. 

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

XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On Equifax I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX dates are XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit card

Complaint Against Navy Federal Credit Union Regarding Denial of Credit Line Dear CFPB, I hope this letter finds you well. I am writing to formally submit a complaint against Navy Federal Credit Union regarding the denial of my application for a credit line. I believe this denial may constitute a violation of the Equal Credit Opportunity Act ( ECOA ) and represent a breach of fiduciary duty.

On [ XX/XX/year> ], I received a notification from Navy Federal Credit Union stating that my application for a credit line was denied. I would like to understand the specific reasons for this decision, as I suspect it may involve discriminatory practices prohibited under the ECOA. The ECOA ensures that all consumers are treated fairly and equally in credit transactions, regardless of race, color, religion, national origin, XXXX, marital status, age, or the receipt of public assistance. 

Furthermore, as a member of Navy Federal Credit Union, I trust that the institution will act in my best interests and provide fair treatment in all financial dealings. The lack of transparency surrounding the denial process raises concerns about potential breaches of fiduciary duty. 

I respectfully request the CFPB 's assistance in investigating this matter. I believe that a thorough review of my application and the circumstances surrounding its denial will reveal the need for corrective action. 

Thank you for your attention to this matter. I look forward to your response and any guidance you may be able to provide. Should you need any additional information, please feel free to contact me Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation from Equifax about an account that is reporting inaccurate information on my credit report. XXXXXXXX XXXX ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX  XXXX
Product: Student loan

Navient Solutions has been previously notified on several occasions that the only approved method of communication is via the recipient 's mailing address. As of Monday, XXXX XXXX 2017, the company continues to attempt communication through the utilization of phone calls. It is noted that Navient Solutions is not approved to contact the recipient via phone. A supplementary cease and desist letter will provide the recommended method of contact between both parties.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$740.00} from XXXXXXXX XXXX  XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX keeps reporting accounts on my credit report that do not belong to me. I keep disputing with the XXXX company directly as well as with the credit bureaus Equifax, XXXX and XXXX keeps reporting saying the information was verified and They can't tell me how they verified he information XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX
Product: Checking or savings account

Hello first time doing this my fiancee has been banking at chase since she was XXXX and today XX/XX/18 all of our accounts were frozen and when we called to figure out what was going on they said all our accounts were closed. We inquired as to why they had closed it and they said there was nothing they could tell us as to why our accounts were closed and offered no advice on what we can do to reconcile this situation. We then went to our branch where we do all our banking and they just called the same number we called already and got the same answer we did and offered us no explanation or outcome except once our accounts are reviewed they would send a check in 2 weeks. We lost everything with this situation and no one is telling us why it happened and no one is telling us what we can do to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with THE Fair Credit Reporting Act, ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT WRITTEN INSTRUCTIONS ).
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my credit report. I have never, ever missed a payment. I can't get a vehicle or better housing because of these fake accounts. I have disputed them several times and made several reports to the fraud department. None of these delinquent accounts are mine. When I dispute, the companies just respond saying they are valid. Experian never does an investigation. They just accepted what the company says. The fraud department at Experian, just says to keep filing disputes. I got one copy of a chain of custody for a debt collector. No contact with my signature came with it. I received one copy of a contact, but it had someone else 's signature on it. There are over a dozen delinquent accounts, and only one can provide a signature and it's not even my signature. I can't get approved for credit at all. My XXXX XXXX is XXXX, and I have never missed a single payment in my entire life. If Experian would just investigate my disputes properly, they would remove those fake accounts. If CFPB can't fix the problem, I might have to file a lawsuit. I'm really having trouble in life because they don't want to follow the law. They respond to CFPB complaints by only saying we're still working on it. But there's still 16 fake accounts on my credit report. How many years will I be denied housing and transportation? Someone said it takes 7 years. Well I might have to sue Experian for 7 years of suffering they caused. If you were a jury, what would you say it's worth? 7 years in a rural area with no transportation and bad housing.
Product: Debt or credit management

On XX/XX/XXXX, We retained Strategic Financial Solutions for the purpose of debt consolidation. We have been paying {$890.00} since XX/XX/XXXX by auto pay from our checking account. Questioned the amount of fees being taken out, by phone, and rep said it was to make sure there were funds set aside for settlements. Did receive an e-mail from XXXX XXXX XXXX in XX/XX/XXXX, stating that funds would no longer been taken from our monthly payments, only after any settlements were made. Were told 4 credit cards were to be settled at the end of XX/XX/XXXX. That did not happen. Called the associate company, XXXX XXXX, and was told settlement had been postponed until XXXX. 
Finally received an Email from XXXX XXXX XXXX in XX/XX/XXXX, stating there was suit filed against SFS ; but that business would continue. Tried to reach XXXX  and XXXX  several times before finally reaching someone at XXXX on XX/XX/XXXX. Was finally told nothing could be done until court has ruled. Canceled our agreement and will be refunded money in our account. However, were told we needed to file complaint against SFS, and request refund of {$4100.00} for fees taken from us, after court has made it's decision.
Product: Credit reporting or other personal consumer reports

XXXX Acct # XXXX was reported to law enforcement as Identity theft in XX/XX/year> ( see enclosed FTC Report ). XXXX XXXX XXXX is a debt buyer who ILLEGALLY bought this debt. It was reinserted illegally by XXXX XXXX and is showing as a CHARGE_OFF. This has happened multiple times. To fail to correct inaccurate information of an identity theft victim is a violation of Section 623 ( a ) 2 of the FCRA. Additionally, you are legally responsible for preventing reinsertion. Please delete and permanently block the following account as identity theft : XXXX XXXX XXXX XXXX XXXX, Acct # XXXX Original Creditor : XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

Ive found some errors on my credit report that fall under 15 USC 16c-2. The hard inquiries listed werent authorized by me, and this incorrect information is harming my credit. Please remove all unauthorized inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX responded to my last complaint with this : " XXXX XXXX XXXX ASSIGNED XXXX XXXX 's account with our agency on XX/XX/2021 and XXXX XXXX XXXX holds equitable title to the claim. Our credit reporting is a public record reporting and XXXX XXXX XXXX is a tradeline reporting. The CRA controls what is reflected on a credit report we are data furnishers. '' XXXXXXXX XXXX is reporting as a tradeline on my credit NOT a public record as they stated. Please see the screenshot attached to this complaint & a copy of my credit report ( please see page XXXX ). This is NOT a public record as XXXX XXXX claims therefore a misreporting and inaccurate and unfair. I am also asking for a debt validation. please provide me paperwork and itemization of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given LOAN DEPOT OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
Product: Credit card

Hi There, I have a credit card though " My Best Buy Credit Card ''. The minimum payment dueis based on the total amount that I own. I always pay the card on time and over the minimum due amount. 

The issue : the current account statement ( XX/XX/XXXX ) shows the interest Charged is {$590.00} from the principal {$640.00}. The Statement doesn't explain any detailed information.

I called the Account Inquiries on XX/XX/XXXX around XXXXXXXX XXXX ( mountain time ). The Customer Service said the interest will be charged from XXXX until now, which I already paid the Card on time. The Customer Service said I have to pay a totalbalance amount which is {$540.00} within XX/XX/XXXX to avoid the interestfees : $ XXXXNo that option I can do that through online. 

I also asked for more detailed information such as breakingdownthe interest charged fee : {$590.00}, The company policy, and the regulation which apply to this term. The Customer Service said No, she doesn't have the ability to provide us with that information and mentionedthe policy in the Website. I couldnot find those policies. 
I believe it might have some error system in there or if not, it isn't fair for the customer in this circumstance. 

Please investigate or any help would be so appreciated! 

Best Regard,
Product: Credit card or prepaid card

XX/XX/2020 - Made a balance transfer from my American Express Blue card ( {$940.00} ), and a balance transfer from my American Express XXXX card XXXX {$2200.00} XXXX. XXXX made both transfers on XX/XX/2020. 

The XXXX balance was immediately shown on my account for the American Express XXXX card. It's been a week later, and nothing is shown in my account for the American Express Blue card ( Account number XXXX XXXX XXXX ). 

I reached out to XXXX, and they told me that the transfer was completed. When I called American Express at XXXX, they told me that there was no transfer. I offered to email the representative documentation from XXXX, and was told I couldn't. 

Whether intentional or not ( probably unintentional ), I feel that I have just been swindled for XXXX. American Express is not interested in any proof that the balance transfer occurred, and the representative was talking down to me like I was a child. Once this episode is over, I plan to cut up my American Express cards, and withdraw all my money from the savings account I have with them. In the mean time, I am just looking for a little justice here, and having MY money that was taken by American Express returned to me.