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

After recently reviewing my credit profile I was then brought to my attention that I had a very many of hard inquiries which prompted me to look over those inquiries to which I found XXXX ( XXXX ) if which I believe should not be there. The most recent is : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX This particular card was offered me through a third party credit monitoring app of which it promises there would only be a 'soft pull ' and world not affect my credit. 

Also the following inquiries I have no knowledge of at all. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This particular account is even scheduled to be removed according to the Experian report ).
Product: Debt collection

This is an emergency room Bill dated back from XXXX. I have disputed the charges and have won my disputes on XXXX and XXXX but then they turn around and add interest to the loan to be able to reput it back on my credit and they're continuing to do this when I have submitted proof that I had XXXX XXXX. At this time I was XXXX and I am still currently XXXX and I am working on trying to rebuild my credit from my careless past and I can't rebuild when they continue to put derogatory information on my credit to cause my credit to be decreased every time I get it to increase
Product: Debt collection

Starting on Friday, XX/XX/2019, this company started contacting my references that happen to also be my family members about a debt I owe them. They have contacted them everyday for the past 3 days. This company has my address and phone number since I have a loan with them - there is no need to contact my references to find out where Im at. I have emailed them more than once to ask them to stop, but they have not.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the XXXX XXXX loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially. 

Companies that may have purchased XXXX XXXX loans are CKS Prime Investments LLC and Velocity Investments , LLC.
Product: Money transfer, virtual currency, or money service

Thank you Financial Consumer Protection Bureau for operating this consumer Complaint Center. I had a hard time trying to find someone for help. 

Navy Federal Credit Union Member XXXX XXXX XXXX Checking account ending in XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX Reference : Incident # XXXX XXXX Without an authorized ACH affidavit signed by MsXXXX XXXX XXXX XXXX a Navy Federal Credit Union member XXXX Navy Federal Credit Union withdrew and transferred {$860.00}. from her checking account to an outside XXXX XXXX XXXX XXXX account in the name of XXXX XXXX. This illegal transfer by Navy Federal Credit Union was done on XX/XX/2020. 

Due to Navy Federal Credit Unions internal failure ... MsXXXX XXXX was without her necessary funds ( in the amount of {$860.00} XXXX for 13 consecutive days. 
a. XX/XX/2020 illegal transaction - withdraw and transfer to XXXX b. XX/XX/2020 NFCU provided a provisional credit to XXXX ' checking account NFCU 's refused to response by post mail ( as was the form of communication initiated by the NFCU member ) - instead they sent an undisclosed email response of having no liability in their error. Instead, NFCU wrongly pointed their fingers at XXXX XXXX, " ... XXXX holds the responsibility to ensure that the debit was authorized ... '' Navy FCU has not reference their assertion to banking law and plays on the member 's XXXX XXXX XXXX ignorance. 

Ms. XXXX XXXX did not authorize Navy Federal Credit Union or sign an ACH affidavit allowing XXXX XXXX XXXX XXXX to make a withdraw from her checking account ending in XXXX.
Product: Debt collection

XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill. The company is also not licensed in my state to collect a debt.
Product: Credit card

The USBank Reserve Credit Card offers 3x Rewards points on all purchases made through mobile wallet payment method XXXX XXXX However, since XX/XX/2024, cardholders have only been receiving 1x Rewards points for such transactions. This issue has resulted in the loss of thousands of points. Despite promises to address and resolve this issue, it remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX -XXXX  Account # 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 an 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 items 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

The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to XXXX. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

Equifax is reporting my date of delinquency as XXXX of XXXX XXXX reports my date of delinquency as XXXX of XXXX and XXXX does not report a date at all.
Product: Consumer Loan

JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. 
SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. 
WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. 
NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. 
XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. 
THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested a validation that the debt is tied to me. Fox collection has yet to provide thta. They continue to state they have but the document that is provided is not validating the debt is mine.
Product: Bank account or service

Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back.
Product: Mortgage

I inherited property from my mother approximately 2 years prior to her passing. She had a Reverse Mortgage Funding loan on the property. I have been trying to purchase/pay off this loan since XX/XX/XXXX. I have submitted all documents, sometimes 3 times. We were within 3 days of closing in XX/XX/XXXX when they emailed me to say after reviewing the appraisal, they found substantial damage and an inspection for insurance purposes had to be done. They had the appraisal in their possession since XX/XX/XXXX and waited until the last minute to spring it on me. I was never filing an insurance claim so they filed one on their behalf. Two inspections were done in XX/XX/XXXX with both failing. I have confirmed this with the insurance company and wrote an email to the short sale rep with Reverse Mortgage Funding to let them know. 
I have repeatedly sent emails trying to get an update on my closure to no avail. They won't answer my emails and when I speak to anyone on the phone, I get the same answer of it's in progress. It's been in progress going on 8 months. 
I have had to change my entire summer schedule to accommodate this company and they don't have the common courtesy to keep me updated or answer my emails. 
I fully believe they are stalling to add time and fees to the balance to get extra money from HUD for the residual payoff amount. They said I could buy the property for {$140000.00} but show a balance over {$200000.00} of which I understand HUD pays them. This is not fair to me or HUD and is morally if not legally wrong, close to extortion in my mind. 
Please help me get this resolved so I can have closure on my mother 's death and move on with my life. 
Respectfully, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from a company named " Portfolio Recovery Associates dated XX/XX/2020 regarding collection of some alleged money owed. 
I responded to them in writing on XX/XX/2020 and on XX/XX/2020 ( certified ), both letters of which held notification to cease/desist until they can can supply me with my requests in mailing for validation etc.. 
Since my first letter dated XX/XX/2020 I have received several phone calls, emails and mailings from Portfolio Recovery Associates violating the cease/desist and none of which held the information of my requests. Last phone call from PRA was received this evening at XXXX. 
I have attached some supporting documents. 
Also have additional documents at the CFPB request. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX XXXX XXXX XXXX badge number XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I had a missed call at XXXX XXXX from First Franklin Financial. I returned the phone call at XXXXXXXX XXXX  and I spoke the XXXX ( i think that's the correct spelling of her name ) and she started discussing with me about my insurance papers that I needed to return to them. I had explained to her, I just had XXXX on XX/XX/2020 and due to my XXXX  when i arrived home the first week and my lights being off due to Hurricane Laura, I haven't had the time to do what I needed to do, ( I haven't fully recovered ) .Well, the customer rep had started to get really rude and was talking while i was talking trying to resolve this issue the best way I can. I am still under XXXX XXXX  at this moment and i take XXXX  for my pain which causes me to sleep most of the time and due to doctor instructions, I am not allowed XXXX XXXX when I am on this medicine. Back to my situation, I was told by the customer rep, XXXX, that I had until Friday ( XXXX ), to turn those papers in or I will be contacted by their attorney. Every since this converstaion, I had been stressed due to the circumstances of my health and how this customer service rep. had handle this siutation with me.The address to this store is XXXX XXXX XXXX, XXXX XXXX, La. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$220.00}
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. 

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 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 has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have t
he right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse items of information, other than records od 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

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to file a complaint against Aldous and Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding an outstanding balance of {$100.00} associated with my membership at XXXX XXXX  XXXX. 

I am asserting that this amount is INCORRECT for the following reasons : XXXX. My XXXX XXXXXXXX XXXX, and I have been utilizing the EXACT SAME credit card ENDING XXXX XXXXXXXX under her name for auto-payments for our memberships. This card is valid, has not expired, and was just charged on XX/XX/2024, by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX They dont have any issues charging that card for her membership and have continued charging for the past years. However, my membership payments have been wrongly stopped without my consent. It is unacceptable that Texas XXXX XXXX continues to charge my fianc on the same card while my payments have ceased. With that, I can conclude that the credit card is not the problem here. 

XXXX. During my visit on XX/XX/2024, to the XXXX XXXX XXXX  location in XXXX XXXX XXXX XXXX, I spoke with the XXXX, XXXX, regarding my statement above. XXXX verified and confirmed that the card is the same. XXXX could not provide a satisfactory explanation as to why corporate has stopped taking my payments. 

XXXX. On the call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I am trying to work out a solution. I advised them that the credit card is obviously working because they just took out money from that card for my fiance 's membership. They said it is not their problem because XXXX XXXX XXXX XXXX is the one they use to handle billings. They told me that reason mine was sent to collection because my card was expired and I did not update it and that XXXX tried to contact me. The card is indeed not expired because like I stated above, they just took money out for my finance membership On XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Department of education and the US Department XXXX XXXX this information is on my credit reports Transunion and XXXX. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.