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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3000.00}, XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$3000.00}
Product: Debt collection

There are addressed ties to my credit report that ive never lived at in my entire life. The account claims to be from XXXX which i have absolutely no knowledge of According to the FCRA inaccurate information must be removed. I am currently awaiting compensation from the XXXX data breach that took place during the pandemic, my personal information was exposed. 
There are accounts on my profile that have been sold to debt collectors during my 4 year period of XXXX  and by law i never received a debt validation letter. i have also sent in multiple dispute letters and also identity fraud ac
cusations with an open dispute with identitytheft.gov
Product: Debt collection

I received several calls from a company, stating they were MCM. Which supposedly a debt collector instead scam. They kept asking for my name but I didn't yes or no. Also asked me last XXXX numbers they had was mine. I didn't tell them if those numbers were correct. I told l will have my attorney to file a complaint against them. -- -- -- -- -- -- -- -- End of statement -- -- -- -- -- -- -- -- -- ---
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Late Payments Account # Dear XXXX XXXX  Representative or " To Whom It May Concern '' I am writing to formally dispute several late payments recorded on my XXXX XXXX  account XXXX XXXX. During the COVID-19 pandemic, I faced significant financial difficulties that impacted my ability to make timely payments.

The unprecedented circumstances surrounding the pandemic caused [ briefly describe your situation, e.g., " a loss of income, increased medical expenses, or other hardships '' ]. These challenges prevented me from adhering to my usual payment schedule, which I have otherwise maintained without issue.

I am aware of the importance of maintaining a good credit history, and I have always valued my relationship with XXXX XXXX. However, the late payments currently documented are now hindering my ability to qualify for future loans and credit cards, creating ongoing financial strain.

I kindly request your consideration in removing these late payment entries from my account. I genuinely believe that this adjustment would not only reflect my overall commitment to my financial responsibilities but also assist me in rebuilding my credit standing during this recovery period.

I appreciate your attention to this matter and your understanding of the challenges many individuals faced during this time. Please feel free to reach out to me at XXXX or your email XXXX should you need any additional information or documentation to support my request. 

Thank you for your time and consideration. 

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

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


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : 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 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

Transunion says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.
Product: Prepaid card

my situation is rather strane but i have been a victim of identity theft someone was able to get my account information and use some type of replica card to withdraw funds out of my account from atm machine in the city of round rock and XXXX, Texas i have made multiple police reports signed affidavits, sent revital letters and also verification that i was a work the time this incident occured was XXXX. central time and i was at work in XXXX, Texas the person ( s ) were able to draft over {$1400.00} dollars out of my account .i have gotten nowhere with this institution because they are not doing a proper investigation on there end everything they have asked me to sumbit has been given to them they told me funds will be avail to me XXXX/XXXX/XXXX i was waiting for that day just to just call and be told my case was declined bc it was a atm transaction which i told them originally and they also knew and was able to stop and refund XXXX draft ... since this incident i have yet to recive anything in writing on top of all of this madness i have been a custimer since XX/XX/XXXX and have had my direct deposit setup i have now reopened the claim and waiting XXXX. This company is horrible they over talk me everytime i call and this issue seems to just keep going in circles my nxt steps will be legal action if i cant get the to give me my money back.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and have a police report to support my claim. I have on several occasions to updated my personal information to the credit bureau and they refuse to update/ remove the address that I am not affiliated with.
Product: Credit card or prepaid card

On XX/XX/2020 I made a payment to XXXX XXXX  service using my wife 's Chase Credit Card for the amount of {$87.00} wich was charged twice by the credit card company, I was informed that they paid twice the amount of {$87.00} for this reason I requested the credit card company to get back from XXXX XXXX one of the {$87.00} wich was credited to the credit card account on Saturday XX/XX/2020 and at the same time XXXX XXXX suspended my service for charge back. Informing me that they only received one payment of {$87.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication.

You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates.

2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report.

3. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

FInd Attached the letter from XXXX  XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Conn 's XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off : 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
Product: Credit reporting or other personal consumer reports

Credit Collection Services reported me for non payment of debt to XXXX company for teh amoungt of {$1400.00}, however XXXX had sent me a letter through Credit Collection Sevices offering me to settle the dispute with a discounted opportunity of 60 % on XX/XX/XXXX and i took this offer and settled dicounnted rate which was {$570.00} and paid teh credit collection on XX/XX/XXXX. 

They repoeted me to the credit agencies for non payment and also quited teh full amount {$1400.00}. 

They are unwilling to even listen to teh dates and payment mase. I want this them to repmobe this ASAP and account is closed and settled. 

I have all te paperwork and dates necessary if required. Please let me know.
Product: Debt collection

My husband, XXXX XXXX was hospitalised in 2018 in XXXX XXXX. It was turned over to A-1 Collections. My husband had it successfully removed from his credit report with all 3 credit bureaus because of how A1 collections does business. They were removed and then A1 Collections sued us in the local judicial court and because we have no means to hire an attorney then they put it before a judge and the judge ruled in favour of the collection agency and now we have to pay even more than the original bills. interest of XXXX attorney fees. XXXX and court costs of XXXX. That is extortion. I am not sure how my name can be on this judgment as this debt does not belong to me.. I want the judgement removed and A1 needs to pay a fine to do this to people. It's wrong and unethical.
Product: Money transfer, virtual currency, or money service

I was trying to send a Zelle transaction in the amount of XXXX to my daughter however the last 2 digits of her phone number i by mistake put in backwards resulting on the money sent to another person. I have contacted my bank as well as the person who I sent the money to. I requested for him to send my money back however it has been a couple of days passed and no money has been sent back to me. I have persons full name Phone number and my banks confirmation that I have tried to dispute this transaction. Is there anyway can get assistance. 
Thank you in advance.
Product: Debt collection

I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. 

I am providing further information to support my dispute
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no XXXX party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with SPRINGOAKCAP company I believe the original creditor XXXX XXXX  XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
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 fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis shows a judgement on my report for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX. We live in the same city. Ihave filed 2 disputes with lexisnexis since XXXX. 
The second time I sent a certified copy of the judgement and the police report showing all of XXXX XXXX information as well as a copy of my driver 's license. None of the information matches. 
Lexisnexis says, for the second time, that they verified with the court and all information is correct so they refuse to remove it. I spoke with the court and they said no such inquiry was made and they have no information related to me in their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Portfolio Recovery Associates a letter to validate an alleged debt on my credit report. They responded with a simple statement, which is not meeting fdcpa guidelines to validate a debt. I sent them a follow up letter letting them know that unless they could sent me an original document showing my signature to this alleged debt they needed to cease and desist. The alleged debt has an address that is not mine. I have already filed a fraud identity theft with the FTC and also have filed a police report, and frozen all three bureaus. Hence the reason I am asking for a VALIDATION of this debt. 
Secondly, the statement they did send doesn't show any history on the account of payments or purchases or any interest or fees added. Also the Statute of Limitations on it expired. 
So please explain how they can NOT validate a debt that is also expired, and still try to damage my credit.
Product: Checking or savings account

Hello. 

My mom passed away in XXXX of XXXX. Her boyfriend ( who shared a joint account with my mom ) took funds out of my moms account at XXXX XXXX and I was issued a cashiers check in the amount of {$60000.00}. I deposited that check into my Chase account to pay for my mothers funeral. In XX/XX/XXXX, my Chase account was frozen ( or restricted, theyve used both terms ) because they found the cashiers check I received to be fraudulent. XXXX XXXX ended up issuing me another check later which was received and not flagged or anything. Since they had issued me the amount of {$60000.00} twice, they wanted {$60000.00} back from me. 

On XX/XX/XXXX, my Chase account showed a withdrawal of {$12000.00}. Through a series of phone calls I discovered this was money being paid back to XXXX XXXX for the {$60000.00} I owed them. XXXX XXXX then contacted me and I was told I still owed them {$47000.00}, the difference from the {$60000.00} check after the {$12000.00} had gone to them. I understood this. I was told once XXXX XXXX received these funds, they would contact Chase to let them know the restriction could be lifted and the balance in my checking account could be released back to me. 

I issued XXXX XXXX a check for the full amount owed ( {$47000.00} ) on XX/XX/XXXX. The representative Ive been speaking to at XXXX XXXX confirmed my check was received and processed on XX/XX/XXXX. Since then its been a series of back and forth calls, dead ends, and lack of explanation as to why I cant close my Chase account and receive the balance left in my checking account. XXXX XXXX told me they have no holds on my Chase account, that theyve marked the issue as resolved and that I need to talk to Chase. Chase tells me that my account is still restricted and that XXXX XXXX needs to contact them in order to resolve the issue. I dont know what else to do at this point. 

Please let me know what other information I can provide. I have {$9400.00} in my Chase account that I need issued back to me, and Im desperate to close this account so that I never have to deal with Chase bank again. I appreciate in advance your help with my situation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights were violated pursuant to Federal Law.
Product: Mortgage

Called Ditech today spoke to XXXX who was extremely rude. I asked for XXXX XXXX said she was not in that he can handle my call proceeded to harass me about the {$4200.00} arrearage and asked when I can pay it refused to allow me to speak to XXXX. I asked for her voicemail and was told she did n't have one which I know for a fact is a lie. Called back spoke with XXXX, again asked for XXXX at extension XXXX and was told she was not available ask for her voicemail again and was told voicemail box do n't work during business hours. XXXX said she would email XXXX this was at XXXX XXXX XXXX it is is XXXX XXXX  and I still have not received a call. This is the runaround I have gotten. Three weeks ago tomorrow I spoke to XXXX with Ditech explained that the link I was mailed was expired she said she would email the paperwork to date I still have not received. I will try to open the attach sent with the response on this. I have all the paperwork except the paperwork from Ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid with a pay to delete. ( Agreement to pay account off in return to delete from credit profile )
Product: Debt collection

Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.
Product: Other financial service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, XXXX. XXXX Advertised personal loans on line and mentioned upon contact with XXXX on XXXX/XXXX/2016 that I qualified for a loan of up to {$7500.00}. 
Only thing I had to do is have Lexington Law Firm : XXXX XXXX # XXXX XXXX XXXX, XXXX. XXXX Improve my credit and after enrollment with Lexington Law I was guaranteed a loan. It is a Scam because they both do n't answer the phones to cancel service. There has been no loan just a setup to have consumers enroll in a credit repair service for a charge of {$14.00} and {$99.00} a month. That you can pay with the loan proceeds. Contact at Lexington Law E-mail : XXXXXXXXXXXX XXXX loans are offered it is a scam to force consumers into retaining a credit repair service or Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Acct 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.