23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i applier for a c.c. with first tech fed. cred. union ; i submitted income of about XXXX or so a year ; they approved me for XXXX credit line, wioth 12 months no interest on balance transfers they requested proof of income ; i told them i included in the amount the rental income from my basement, which i could not provide proof ; but i submited a w2 for XXXX with income of {$99000.00} ; Then they denied my application ; i could understand if they reduce the credit line, but i don't think it was fair they denied the claim entirely ; see below email with aproval Date : XX/XX/XXXX Application : XXXX Credit Card Type : Choice Rewards World MasterCard Dear XXXX, Thank you for your credit card application with First Tech. Your application request has been approved for the following terms : Amount Approved : {$10000.00} Interest Rate : 12.240 % Additional Terms & Conditions** > Proof of income dated within the last 30 days > > > > **Please submit any items listed under additional terms and conditions to XXXX. Credit Card approvals are valid for 30 days from the date of this notice. 

Loan approvals are conditional and subject to verification of the information provided, First Tech Membership, and other terms and conditions listed above. 

Important Note : For added security, our cards are Chip and PIN enabled. Youll receive a PIN in the mail separate from your card. Your PIN is important and may be required for transactions. You can personalize your PIN at any First Tech ATM. 

Thank you for choosing First Tech for your financial needs. 

Sincerely, Consumer Lending www.firsttechfed.com XXXX Tel XXXX Fax
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX. account number : XXXX
Product: Credit reporting

There are multiple inquiries that I did not approve of. The ones I authorized were : XXXX, XXXX, The XXXX XXXX XXXX dated XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and personal information that are still reporting on my account : Inquiries : XXXX XXXX OF Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX XXXX TX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear POSSIBLEFINA, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. 

It has unequivocally come to my attention that POSSIBLEFINA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter XXXX ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first XXXX to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2021
Product: Vehicle loan or lease

I explained to the company that I have been laid off if I could get on a payment plan I was basically denied
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

This company is reporting that I owe money to them. I have tried to fix this issue with them MANY TIMES and they decline to verify my debt to them.
Product: Checking or savings account

I was charged over {$3000.00} in fees from Huntington Bank. Ive been unemployed since XX/XX/year> and these bank fees are asinine. Please tell Huntington to make it right. I also had a car loan with them which they repossessed last month, after a 5 year loan. After reporting them to XXXX they referred me to you. Please helpalso since reporting them, Ive had no more fees.
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus by phone and by mail asking them to remove all my old address on file. I believe they were removed and some of them have reappeared. These address are outdated for more than ten years
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letters to the three credit bureaus Experian, XXXX and XXXX. I received an update today from Experian in regards to account from XXXX XXXX XXXX with account # XXXX. This account was reported as being included in a bankruptcy back in 2016 which is incorrect. They did not properly investigate this nor did they read the request that I requested in my dispute letter. Per my dispute letter I advised that I never had a contract with this alleged debt collector for any debt. I asked that they please provide ME with proof from the Original Creditor that the debt collector owns the debt and has legal authority to collect or delete this account. I called Experian after receiving the update and asked why was this reporting as Bankruptcy which is definitely inaccurate and why was my dispute letter not properly read and thoroughly investigated. I also asked why was I not provided with the information that was requested in my dispute letter. I was told by the representative that they do not have to provide that information to me. I asked several times and the representative told me that the requested information will not be provided to me due to it being sensitive information. I have a right to asked for validation of an alleged debt as a consumer. Experian should properly and thoroughly investigate the information inside of my dispute letter and they should be able to provide me with proof that the alleged information is accurate and they refuse to do so. I feel that my rights have been violated.
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. 

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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Debt collection

Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX XXXX and XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A-states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX US XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XXXX I purchased merchandise from someone through cashapp for {$250.00}. Through further inspection, the merchandise came not as it was advertised ( the product was tampered with ). On XX/XX/12 I requested a dispute from cashapp and was denied. I've also requested a refund from the person directly with no response. The person has also removed their listing for the product right after I've reached out to them explaining that the merchandise was already tampered with and that I'd like a refund.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/ to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A collection was filed and entered onto my credit information inappropriately. The collection company - XXXX XXXX XXXX  - has repeatedly supported the validity of the collection action. It involves supposed back rent due from an apartment complex I previously lived in. I voluntarily moved out of the complex but instead the management company XXXX XXXXXXXX XXXX filed an eviction suit in the XXXX, Ohio XXXX XXXX which was dismissed in a court hearing. So - since the management company filed a suit that was dismissed immediately by the judge they decided to file a collection entry on my credit file. This should NOT have been entered into my credit report. The entry was made by the management company out of spite because they could not collect the debt and it was considered as noncollectable in court. There is a law either in Ohio or or Federally that states a debt in the category such as my debt can not be collected IF the person lives on Social Security which I do. Since the debt can not be collected because of the law that is in effect the debt should NOT be on my credit report. I have filed several disputes with Experian concerning this debt but Experian refuses to even acknowledge all information I have sent to them concerning the debt and simply refuses to remove it from my credit report. This is considered to be illegal refusal by Experian. I simply wish Experian to remove the collection entry on my credit report because of the previous information I listed earlier in this message. However, Experian will not even acknowledge the information the I have submitted to them several times and states the entry is valid as filed by XXXX XXXX XXXX. I need assistance from you, please, in getting Experian to remove the entry on my credit report. I would thank you so very much for your assistance with this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i contacted XXXX XXXX regarding a collection on my report for XXXX in the amount of XXXX. I spoke with the collector and was assured if I paid XXXX ( 50 % ) that they would DELETE the item from my credit report. I paid on the same day. I looked at my report at the end of XXXX and saw it was still reporting but the balance had updated and showed XXXX due at that point. I figured it just needed more time to delete. Its now XX/XX/XXXX and the item is showing as a closed collection chargeoff with a XXXX balance AND on XXXX  ' system they are showing an OUTSTANDING balance of XXXX as if i just randomly called in and made a payment for 50 % for no reason at all and decided to just leave the rest there! 

This remaining XXXX I was told on their " monitored and recorded lines " would be deleted from my Experian report. I have a letter to that effect that I am attaching.
Product: Mortgage

I was 1 month past due on my VA Loan mortgage and already spoke with a Navy Federal Credit Union representative, that waived my late fee for XX/XX/2022 mortgage. He saw I've NEVER been late on a mortgage payment in the over 4 years of this mortgage. He also directed to Navy Federal 's website for possible solutions, to include a packet to look over options. Great and helpful employee.

Navy Federal 's collections department, also got involved, AS IF I was in foreclosure already. They even made it very difficult to make a payment to their mortgage department, TO BECOME CURRENT on the VA LOAN. I was fortunately able to reach a representative to take my payment for both XX/XX/2022 ( past due ) & XX/XX/2022 ( not past due, when payment was made on XX/XX/2022 ). For my mortgage, I have until the XXXX of every month to make a payment before it becomes " past due ''. I am now " CURRENT '' on my mortgage. 

Navy Federal collections department starting with sending multiple " certified '' letters, for me being only ONE MONTH past due. The most recent " certified '' mail from them was a packet about avoiding foreclosure. I was informed that a mortgage DOES NOT enter into foreclosure proceeding until 6 MONTHS past due. I was only 1 MONTH past due. The mail was a packet date XX/XX/2022 ( well before my XX/XX/2022 payment & ability to pay the past due amount. 

I even received a " certified '' letter prior to this in XX/XX/2022, already mentioning that I am past due. I spoke to a representative already and now " Loss Mitigations '' is getting involved and trying to block access to make a payment? I was not even given the chance to become current by the XX/XX/2022 mortgage payment. Horrible tactics by Navy Federal Credit Union on a VA LOAN. I've also come to understand they have outside investors that financial interest, even in Navy Federal VA Loans.

Please investigate Navy Federal Credit Union 's collection tactics. I may also take legal action.