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

Good Afternoon, EXPERIAN, XXXX, AND XXXX have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.
Product: Debt collection

To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$10000.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.
Product: Checking or savings account

XXXX - XXXX weeks ago I opened a new checking account at Citi bank. The purpose of this account was to pay my landlord rent as she also has a Citi account and only allows rent via Citi to Citi transfer or via XXXX. The XXXX limits are too low so I decided to open a Citi account. My monthly rent is {$7200.00} ( I live in California ). I first used Citi 's only chat service to make sure when I opened the account that I could do this type of Citi to Citi transfer, which they confirmed I could do a " Citi to Citi global transfer '' with a daily limit of {$50000.00}. Great, this seemed like a good solution so I opened the new checking account online as I was already a long time Citi customer ( credit card ). I funded the new checking account initially with {$7500.00} from my existing account at a different bank and after a few days the funds cleared. I put in the first transfer to my landlord for {$7200.00}. The next day I tried to log into my online Citi account but it was blocked. I called and they said it was under review with the fraud team. After a few days I received an email saying the account was sent for closure. I called the number on the email and explained the whole story to them. They still will not tell me why they are closing the account nor will they return the {$7500.00} in my account. They said I have no choice but to wait XXXX days for a letter in the mail the " may '' have a check with my money. I have never heard of something so crazy in my life. I have a perfect credit score and never had an issue like this before. I now basically had to pay double my rent this month and that's a big financial burden. I also can not access my online account meaning I can not access my credit card account to see balance, make payments, etc. I can not understand how this is legal for a bank to treat me like this, not tell me anything and hold my money. PLEASE help me.
Product: Mortgage

I 've been trying to complete home modification since 2011. I have never been told trial payments were to begin by Mortgage XXXX XXXX with Bayview loans, previously XXXX, and XXXX. The amount past due XXXX, Now new XXXX is XXXX, which was original amount of Loan. Please inquire of accounting, why no reduction in payment since I 'm XXXX % lower on my income. How they keep filing BKR each 6mos decreasing my credit score and foreclosure completed. I 'm always some paper XXXX not includet, when I well aware yrs what I need. I need to keep my home. Is there any financial assitance. Can I have referred to OFHA. I Really appreciate assistance and need to see if this can go
Product: Debt collection

I came home on XX/XX/XXXX from an almost 8 month trip. I found several collection letters from Penn Credit which I replied the next day asking for verification. I sent a list of things including original contracts bearing my signature in order for me to be able to validate the alleged debt. They not only failed to send the requested information, but also I received a response that violates my HIPPA rights. The collector did not provide a HIPPA release form with my signature that provides authorization for them to have any medical information of mine. Penn CrediXXXX continues the pursuit of this alleged debt without validation.
Product: Checking or savings account

I went to a XXXX XXXX  last night XX/XX/2024 I withdrew {$240.00} dollars I grabbed my recipt then went to grab the money but the ATM sucked the money back in. Now both XXXX and Chime are giving me the runaround and want to charge me for filing a dispute. I'm a single mother trying to support my child on my own this money is for daycare. So I have talked to XXXX different people at each place and each person is telling me different things. I need help getting my money back ASAP. Because as of now I am not going to be able to work because without this money I can't pay daycare. Please help.
Product: Checking or savings account

XXXX had a little over {$55000.00}. Every time I would check my balance kept getting low.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, account # XXXX has violated my rights. 
15 USC 1681 section 602 A. 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 the account with
out my written instruction.


15 USC 1681 C ( 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 USC 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information related 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

I looked at a copy of my credit report and noticed many inaccuracies on my account. those accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure the accuracy here is the item i am asking you to verify as accurate : Account name : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I checked with Equifax to see if I was impacted by the breach. Their records indicated that I am.
Product: Credit reporting or other personal consumer reports

I am writing to formally reject XXXX XXXX ' response to my complaint, as it fails to address the core issues and does not provide a resolution. 

The XXXX representative I spoke with acknowledged that I have not been an active customer since XX/XX/year>. However, despite personally visiting a XXXX location and signing over my rights to the account, my Social Security Number remained attached without my knowledge or consent. Additionally, I had no access to the account from that date forward. 

During our conversation, the representative located a contract that listed a different phone number than the one I was previously billed for. When I attempted to explain my situation, he repeatedly refused to listen and simply stated that XXXX had never made a mistake in the 17 years he had worked there. Furthermore, he explicitly refused to escalate my case to XXXX XXXX, stating that doing so would result in a write-up for him. This demonstrates a failure in XXXX internal processes and a lack of willingness to properly investigate customer disputes. 

While my credit report was partially updatedwith XXXX and XXXX collections removedthe previously clear XXXX record is now reporting as a new collection. This is unacceptable and continues to negatively impact my credit through no fault of my own. 

Additionally, when I first received the bill in XX/XX/year>, I made multiple attempts to resolve the issue. I tried calling XXXX, using online chat, and accessing my old account online, but was repeatedly blocked from doing so. It was only after receiving a collection letter with contact information that I was finally able to dispute the charge. The representative who called me recently was the first human being I have been able to speak with from XXXX regarding this matter. I have been told that the collection is on XXXX separate numbers neither of which have ever been mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : unknown Navy Federal Credit Union is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes.15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies. By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Transunion regarding 2 bankruptcies that are being reported fraudulently I have filed FTC reports for Identity theft, I have reached out to XXXX XXXX & XXXX. XXXX XXXX has removed the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card

I have been battling with APPLE CARD/GOLDMAN SACHS BANK USA for over 6 months regarding billing issues amongst other things. I have sent them several mailings to which no response has been given, I have reached out via text messages and eventually they just decided to charge off the account instead of providing documentation I requested other than monthly statements. I have in numerous occassions brought to their attention this is credit line that is for personal and household use, I have requested proper accounting and for them to review the billing errors, no response and no action taken on their behalf. I have also disputed this account several times with the credit reporting agencies and it comes back as dispute " solved '' yet I have not been notified of said investigation process nor how they have " validated and verified '' said information to be true and accurate. My final mailing to APPLE CARD/GOLDMAN SACHS BANK was in XXXX and I still do not have any response. I am formally complaining to CFPB as it is my undertanding this is the correct way to start my process and get this issue resolved as it is causing me damages. I am providing a copy of what my consumer credit report shows as of today, a copy of my last mailing to APPLE CARD/GOLDMAN SACHS BANK , a copy of the AGREEMENT, and one last and final question : the IRS considers charge-offs to be income. However, the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 1 ) ( A ) of the FCRA specifically prohibits the reporting of income on consumer credit reports, with that in mind, APPLE CARD/GOLDMAN SACHS BANK has several violations without getting into detailed review of their actions.
Product: Student loan

We had set up an auto pay program with Great Lakes as early as XX/XX/XXXX for our daughters student loans. There were not any problems until our daughter decided to take graduate classes at XXXX. Without our knowledge XXXX sent out a notice that our daughter was back in school. Great Lakes without our knowledge or consent put our daughters account into deferment and changed our auto pay to {$0.00} essentially canceling the payment. This was done on XX/XX/XXXX. We did not notice the XX/XX/XXXX first payment was not made until XX/XX/XXXX. When we called Great Lakes we were told that students were automatically put into deferment when they went back to school. We told the representative we did n't want to be in deferment, and we wanted the auto pay to start back up. She said we could go online and reset auto pay. 
I set up auto pay for {$250.00} to come out on XX/XX/XXXX.  On the evening of XX/XX/XXXX we noticed the payment had not come out of our checking account. When I logged into our daughters account I saw where Great Lakes changed the auto pay account again. They changed the payment date to XX/XX/XXXX and changed the amount to {$210.00}. I also saw that they charged capitalized interest of {$38.00}. Also by changing my pay date from XX/XX/XXXX to XX/XX/XXXX they are trying to accrue more interest on the account. When I tried to resolve the issue with Great Lakes. When I tried to resolve the issue Great Lakes refused to take responsibility for setting up their computer program this way. If this happened to us, how many other people are the scamming? Is it legal to put someone into deferment without their consent? Am I financially responsible for them putting our daughter into deferment without consent and essentially stopping my auto pay causing interest to accrue and capitalize? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, Honda Financial continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with XXXX XXXX and American Honda Financial in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from American Honda stating this truth and sent these via certified mail to XXXX along with a dispute letter. 

Because of the comment furnished by American Honda Financial, XXXX XXXX extrapolates, derives, and expands on this information to include, but not limited to the following : XXXX XXXX has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above. 
XXXX XXXX continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, XXXX XXXX has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both XXXX XXXX and American Honda Financial together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports  directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

I have written seven letters to XXXX, XXXX, and Equifax requesting the removal of fraudulent and outdated information on my credit report, including incorrect addresses, employment details, and phone numbers. Despite my efforts, these bureaus have failed to take action on my requests. This negligence has caused significant harm to my creditworthiness and financial well-being. I am deeply disappointed by the lack of response and corrective action from these credit reporting agencies. 

I demand that XXXX, XXXX, and Equifax promptly investigate and remove all inaccurate and outdated information from my credit report. Failure to do so will result in further legal action to protect my rights as a consumer. It is imperative that these bureaus adhere to the guidelines set forth in the Fair Credit Reporting Act to ensure the accuracy and fairness of credit reporting. 

I urge XXXX, XXXX, and Equifax to rectify this situation immediately and provide me with a written confirmation of the removal of the erroneous information from my credit report. My financial reputation and future credit opportunities are at stake, and I will not tolerate the disregard for consumer rights exhibited by these credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a mother of XXXX and I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.
Product: Credit reporting or other personal consumer reports

I had open a self credit building account to help me improve my credit and one morning I received an email alert saying my checking account was overdrawn by {$50.00} I check my account and saw self had taken 2 payments from my checking account without my permission. I called self and ask to have this account closed. I was told in order for self to close my account I have to pay {$30.00} I paid the {$30.00} and I was told in 30day the account will be removed from my account. Self policy says you can close your account at anytime so I requested for my account to be closed and removed from my credit report, the agent I spoke said it will take 30days I said ok. It has been 2 years and they are still reporting on my report that my account has a late payment and paid closed. I have reached out to self several times requesting the account to be removed and was told it will take 30days. Today is XX/XX/year> I called self requesting the deletion of this account and was told that they can not remove the account. The representative was very unprofessional and XXXX