23daVinci/CFPB_Complaints huggingface dataset:
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.

These accounts and Inquiries have 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: Credit reporting or other personal consumer reports

On XXXX XXXXXXXX XXXX, I visited XXXX XXXX in XXXX XXXX, XXXX XXXX, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) XXXX time ; they ran my credit XXXX ( XXXX ) times. The additional XXXX were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries. 

This company is XXXX of the many where XXXX XXXX sent an unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXXXXXX 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 or other personal consumer reports

XXXX, EXPERIAN, XXXX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report on Comenity Capital/ XXXX XXXX XXXX  is highly inaccurate and has errors. The balance is wrong. It should be XXXX  out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by Equifax and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX are reporting a credit card account named XXXXXXXX XXXX. This account was opened fraudulently In my name I have disputed it and they have failed to proceed with a proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of an alleged debt within 30 days and immediately disputed the validity of that debt with LVNV funding. A request for validity, verification and also proof of the chain of title of ownership was sent via certified mail to LVNV Funding. LVNV Funding has not provided the requested documentation and is in violation of 15 U.S.C. 1682g. Attached is the evidence of request that was sent to LVNV Funding.
Product: Credit card

In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXXXXXX method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued XXXX XXXX for XXXX XXXX and Monetary Judgement XXXX, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching XXXX XXXX XXXX XXXX Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX Bank Delaware with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my XXXX XXXX. 

I request Barclays Bank Delaware dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

Barclays Bank Delaware previously made the statements in their initial responses that " You transferred a charge to this account " which is a false statement. The 3rd party financial assistance company made this transfer. The company XXXX XXXX was shut down by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX of XXXX I received a settlement check for approximately {$4500.00} which is nowhere near the amount I was charged. I'm requesting Barclays Bank Delaware to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the change to every credit reporting agency.
Product: Debt collection

THIS ACCOUNT ITS NOT MY ITS FRAUD. 

COMPANY : CALVARY PORTFOLIO ACCOUNT NUMBER XXXX
Product: Debt collection

I received 6 calls on Monday XX/XX/2023 and on Tuesday XX/XX/2023 I received 7 calls from Tower loans in XXXX XXXX XXXX I told XXXX the branch manager i would be in there on XX/XX/2023 to make a payment. She then threaten me with legal action if I didn't have a payment in by XX/XX/2023. She also left messages with this same threat. She was also calling my place of employment which i travel and never at that location.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/2024 that remains open and it's more than a month already. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Mortgage

For over two months I have attempted to get escrow to perform an accurate escrow analysis. On XX/XX/XXXX a disbursement of {$7300.00} was made for insurance which eventually was returned as the correct disbursements were made in XX/XX/XXXX. Despite the money being returned, it was not placed in escrow. As soon as discovers the overpayment I contacted escrow to fix the issues. First, a request had to be made for the funds to be returned it took 7-1o days, Second, the refund was wrongly applied to a different account causing an other request 7-10 days ; it was only discovered after I had called, third wait till the funds clear on escrow ; again I had to call and figure it out instead of getting a called back, Fourth called to determine funds were in correct account but the person I called last would not elevate the call to management and would not request a new escrow analysis because rules said I was not entitled to an analysis despite knowing it was the mortgage company error. The last persons stated the would place a request a new escrow analysis and would be ready on XX/XX/XXXX. On XX/XX/XXXX I received a new mortgage statement and it does not reflect the correct amount as the analysis was not conducted as promised. My take is he never placed the request and do hated me because I have an accent, he seemed to purposely negated my requests. Conclusion, the bank should have discovered the error no later than 30 days after the check not clearing and when 3 other checks were paid out to cover the insurance expenses. An expedited review should have been completed once the refund had cleared the escrow account. An apology should had followed. Lastly, the employees who did not ensure an escrow was conducted should be fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the tree credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and   XXXX   has been in the news for some deceitful  XXXX   XXXX  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I obtained a personal loan from CItibank, where I have a credit card. One of the features of obtaining this loan that appealed to me and factored into my decision to commit to the loan was the ability to access my loan account information and make payments online. After I committed to this loan, I received an email saying that my loan account information would be visible on my " account dashboard '' when I log into my credit card online account. This information is not available in my online account dashboard for any account. 

I still do not have any type of online access to my account information or any ways to make payments online. I called Citibank on XX/XX/2023. The customer service agent said that Citibank was having problems setting up online access to accounts that have 11-digit account numbers, and my account had 11 digits. The agent told me this problem was ongoing since XXXX of this same year, but that he hoped and expected that the situation would be resolved within 24-48 hours.

After 48 hours, I called CItibank again on XX/XX/2023 and was told that this is an ongoing situation and they have no estimate of how long it might take to fix.
Product: Checking or savings account

I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted PNC and XXXXXXXX XXXX  both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ).
Product: Credit reporting or other personal consumer reports

The following account has fraudulent charges made on them ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

MY MORGAGE WAS SOLD TO ANOTHER MORGAGE COMPANY Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX WE WERE SUPPOST TO DO BY WEEK PAYMENTS AS PER AGGREEMENT WITH OUR OLD MORGAGE COMPANY XXXX ... THE NEW MORGAGE COMPANY WILL NOT COMPLY WHITCH IS SELECT PORTFOLIO ... I HAVE PAPER WORK FROM OLD MORGAGE COMPANY .IT KNOCKS DOWN INTEREST BY PAYING BY WEEKLY ....
Product: Credit card or prepaid card

I was a with SEARS/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a XXXX XXXX XXXX  during XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX XXXX  were in a terrible car accident my youngest XXXX  almost lost her XXXX  and needed XXXX  XXXX. I explained this to them I sent in my XXXX XXXX XXXX and a copy of the accident with my XXXX  names listed and copies of their birth certificate as proof I was their XXXX. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to Transunion, XXXX and XXXX for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to a lagged posting of charges in credit. This issue aligned with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initial available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Checking or savings account

Capital One they didnt provide me my money back when closing my account.
Product: Credit card

SYNCB will not work with me for nothing they told me they didnt care
Product: Student loan

On XX/XX/XXXX, I received an email from my student loan service provider MOHELA stating that I had a student loan payment past due. I had just recently graduated and earned my XXXX XXXX on XX/XX/XXXX. My account was given no grace period, and I was instantly put into repayment. Since XX/XX/XXXX, I have called MOHELA at their customer service number ( XXXX ) 10 times and I have been meet with wait times upwards of 55 minutes. When I am able to get through to an agent, I am told my account needs the help of a supervisor, who I am then transferred to and meet with another wait time upwards of 45 minutes. When I am called back by a supervisor, there is no ability to call the supervisor directly back, so I am forced to wait over 2 hours for a call back from a supervisor at that point. I now have a past due charge on my account with no verification that I will have the error fixed, or any way of contacting a supervisor to confirm that they are working on my issue. 

It is incredibly frustrating to have a loan service provider that struggles with communication and professionalism in this manner.
Product: Credit reporting

I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account.