23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This has been an issue for myself and for my credit file it is affected me nobody has to empty it's been still showing on my credit files and there's nothing to be done I filed an identity theft in the past I've contacted it all three credit bureaus had it removed and disputed all the inquiries on my credit and nobody has done anything to help me and it's affecting me
Product: Vehicle loan or lease

My business executed 2 new vehicle loans with XXXX XXXX XXXX XXXX XXXX. Our loan officer told us that a prepayment penalty would apply if and only if we refinanced the loan. Weve since reached out for payoff amounts due to sale of the two vehicles and theyve assessed {$33000.00} in prepayment premium.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this unauthorized account as soon as possible, Equifax. I have all of the hard copies you gave as a verified account, but it isn't mine, and I contacted the credit card company, but they have no records indicating that I am the account 's owner. I'd also like the Consumer Financial Protection Bureau to look into what Equifax is doing and how careless they are when it comes to account verification. Thank you.
Product: Debt collection

Do you have a contract proving that these accounts held me contractually liable to pay to your company? Please provide any contract that you have. This is in violation of my consumer rights and the FDCPA/Federal Rules of Civil Procedures. This is also in violation of HIPAA law to report. Please consider this final notice and remove any entries on my credit. I have no knowledge of have any contractual obligations to you or your company.
Product: Checking or savings account

I have been a victim of identity theft. My funds were stolen from my checking and savings and U.S. Bank National Association will not do anything to help.
Product: Checking or savings account

I was trying to add money to my XXXX XXXX, which I've done before, but Citi flagged it as a potential scam. Even after approving the transaction through their email system, the issue persisted, so I initiated a manual transfer. After entering my PIN, the system prompted me to call for assistance. When I called, the representative locked me out of the account I was actively logged into on my computer. Then, to verify my identity, she asked for an account number that I could only access from the account she had just locked me out of.
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/year>. Complainant submitted a detailed dispute notice through myequifax.com regarding false and misleading payment history regarding an XXXX XXXX XXXX XXXX ( " XXXX '' ) credit card account. Specifically XXXX identified a false and misleading payment rating for the month of XX/XX/year>, which was reported by Equifax as 30 days past-due. Complainant pointed out that no such payment was due in the month of XXXX due to a payment modification. Attached to complainant 's notice of dispute was an approval notice from XXXX that indicated the account had a payment deferral from XXXX XX/XX/year> through XXXX XX/XX/year>. Equifax communicated the notice of dispute and accompanying documentation to XXXX. On XXXX XX/XX/year>, Equifax returned the results of the dispute investigation, which continued to show the 30 day past-due payment rating. Equifax 's purported investigation took less than twenty-four ( XXXX ) hours making it unlikely that any substantive, reasonable investigation was conducted. On or around XXXX XX/XX/year> Complainant AGAIN filed an indirect dispute with Equifax ( CFPB XXXX ) regarding the inaccurate reporting for the NFCU account XXXX Included in the documentation for the dispute was approval for a temporary cessation in payments showing a past-due payment due-date of XX/XX/year> and no payments due until XX/XX/year>. Equifax returned the results of their reinvestigation on XXXX XX/XX/year>, stating " XXXX XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE BALANCE OF THIS ITEM HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ADDITIONAL INFORMATION, ACCOUNT HISTORY ''. However the prior paying history continues to report a payment rating of 30 days past-due for XXXX or more months between XX/XX/year> and XX/XX/year>. Thus, Equifax has failed to conduct a reasonable reinvestigation as required under 1681i and has failed to ensure maximum possible accuracy in the information it reports regarding Complainant as required under 1681e ( b ).
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit union regarding multiple overdraft fees. Despite having sufficient funds, I have incurred due to lagged postings of charges. The issues I have experienced coincide with the recent CFPB findings against Navy Federal. I believe thee practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our first mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from WellsFargo stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted WellsFargo to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to WellsFargo within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for WellsFargo stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from XXXX dated XXXX XXXX, 2015 that stated my mortgage was being transferred to WellsFargo effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported XXXX late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit Limit : {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least XXXX  days prior to the due date, which has been violated as evidenced by the late reporting. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress. 
Desired Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within XXXX business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXXXXXX
Product: Debt collection

Excessively threatened me with wage garnishment and refused to stop contacting my XXXX XXXX wife, I've called the actual lawyer, another assistant and his immediate manager and told them that XXXX is not to contact us any further in the future. The very next person that calls is is XXXX. This is not appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was received by Equifax on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Equifax failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Equifax processed my investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Equifax is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Equifax Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Equifax Consumer Reporting agency.
Product: Checking or savings account

I disputed an unathorized transaction with Renasant Bank at the branch in XXXX XXXX, MS back in XXXX or XX/XX/2019. The amount was {$220.00}. The bank gave me a provisional credit and then on XX/XX/19, they took the money back out of my account. 

I did not authorize the transaction and I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the span of a few days ( XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ) I received over 13 unauthorized hard inquiries to my credit for car loans from dealerships. I was never aware this was having, or gave anyone permission to do so. I can not get a response from the generators and they are false hard inquiries to my credit ( I have no car loans or loans at all beyond student ones, I don't even have a car. ) I ask that you please immediately remove these from my credit report for authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA XXXX XXXX
Product: Vehicle loan or lease

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from XXXX of the 1st Notice. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from XXXX of the 2nd Notice. 

XXXX Registered Mail XXXX # XXXX ( delivered on XX/XX/2023 )
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
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 Equifax will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX XXXX Account Num : XXXX
Product: Credit card

I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted TRANSUNION numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by TRANSUNION and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

TRANSUNION has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), TRANSUNION is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that TRANSUNION is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX written consent. That also includes TRANSUNION. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Account NumberXXXX On XX/XX/XXXX Resurgent Capital Services responded to my complaint stating the account originated on XX/XX/XXXX and that Resurgent acquired it on XX/XX/XXXX. Yet Resurgent is reporting on my credit report that the account was opened in XXXX which is INCORRECT based on the information that THEY provided. 

Compliance with FCRA for Incorrect Information : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are required to ensure the accuracy and integrity of the information they report. Additionally, under 1681i, credit reporting agencies are obligated to investigate disputes regarding inaccurate or incomplete information on credit reports. 

If the information you have reported about this alleged debt is found to be inaccurate or unverifiable, you are required by law to correct or remove the information promptly. Failure to comply with these obligations may result in legal action, including complaints filed with In addition, debt collectors can not re-age a debt to keep it on my credit report longer than allowed. I have not acknowledged, have no direct contract with Resurgent,, or made payment arrangements with Resurgent and their purchase of this debt does not reset the seven-year credit reporting period.

Under the Fair Credit Reporting Act ( FCRA ) in the U.S., delinquent debts must be removed from my credit report seven years from the date of the first delinquency ( the date the first missed a payment and never brought the account current ) .Even if the debt is sold to a new collector, the seven-year clock does not reset. The reporting period is based on the original delinquency date, not the date the debt was sold.This debt has surpassed that time limit, it is no longer eligible to appear on my credit report as the account was opened in XXXX and its XXXX. THIS IS XXXX YEARS. 
This debt is time-barred from credit reporting, I also demand its immediate removal from my credit reports and that no further collection attempts be made.