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

Since XXXX i have repeatedly submitted disputes stating that my account was settled with XXXX and they keep reporting back that account has been verified.. which it has not my credit score has settled a substantial drop bcus of their not looking into the facts.. XXXX even requested for them to call them so they can verify i not only wasnt late that the account was settled.. my report is constantly showing two months late with a balance of XXXX which is not true.. i need your help.. this deliquency is being reported by transunion and XXXX and XXXX had reported such also which resulted in a lower score bcus they reported it the same way ... ive also repeatedly complained about having bankruptcy reporting on my credit report all items on credit reports is suppose to come from the original creditor and ive submitted letters from bankruptcy court that proves that they dont release info to anybody that the credit agencies get it off public agencies which is not how they r suppose to receive their info it must come from the orginal creditor.. they keep sending me letters back saying its been verified which is false even the public agencies only have access to last four digits of social security numbers theres no way they can count last four digits as verified.. ive also repeatedly disputed my legal as should be reported on my credit report along with addresses and yet all these other names keep popping up.. ive sent copies of my drivers license with my legal name and my legal address
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to 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 having available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not appy for credit was a hard inquiry please remove from credit report. went to apply for company credit only found out that I had to have my credit pulled after it was done in the process of buying a home.
Product: Debt collection

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. CLIENT SERVICES, INC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. 7018 3090 0001 0743 8142. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, has violated my rights In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit card

This complaint is in regards to a very shady resolution letter In regards to me being denied my right to make a payment. 
I demand an audio copy of the actual phone call and I can prove that I was hung up on and in doing so i was denied my right to make a payment as a result of.

Wells fsrgo is claiming that the line was disconnected and refuses to send me and audio clip of the actual phone call that will prove they are making fraudulent statements and out right lying. The employees on several instances have hung up on me. Wich led me to being refused the right to pay my bill so they can implement more fees on me. 
I HAVE A LEGAL RIGHT TO THOSE PHONE CALLS AND I DEMAND UNDER LAW THAT I RECIEVE A COPY TO CROSS REFERENCE MY STORY WITH WELLS FARGOS. THEY HAVE TAKEN THE FACTS OUT OF CONTEXT AND TWISTED THEM TO THERE LIKING. I CAN ABSOLUTELY PROVE THAT WITH ACTUAL AUDIO AND NOT A TRANSCRIBED WRITTEN LETTER. 
This bank is absolutely out of control! They have been caught by the federal government engaging in illegal activities and they still are! I can prove it by them denying me lawful right to evidence that will vindicate these complaints. 
I want the phone call between me and XXXX XXXX Immediately.

Are you refusing me these particular audio calls? 
Yes or No?
Product: Student loan

I have contacted Navient many times to see if I qualify for a payment reduction or to consolidate the loans and they have told me many times that for my loan that can not be done. At this point I dont know what else to do. I pay and the balance never goes down. It is a nightmare.
Product: Money transfer, virtual currency, or money service

I have been using the XXXX app to help get through until paydays and I am no longer able to connect my PNC bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my rental history on my consumer report, I have found that there are 2 fraudulent Identity Theft items listed. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following 2 fraudulent rental history court record items I wish to dispute on my consumer report : XXXX XXXX case number XXXX, Suit date XX/XX/18 and XXXX XXXX XXXX XXXX case number XXXX, Suit date XX/XX/2018. I have never lived at those apartmenta or addresses and how can I have possibly have 2 landlord/tenant jidgements within 6 weeks of each other. I have been a victim of Identity Theft a few years ago and strongly belive this is a continuation of my past issue. By Federal law you are requested to list complete accurate information and you are listing 2 fraudulent identity theft items. I have lived at my current apartment for over 5 years. Per Federal Law when a consumer informs the consumer reporting agencies of Indentity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report, State ID and social Security Card for viewing and verification. Per the FCRA
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Are reporting inaccuracies 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 incomplete or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX   XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX  XXXX {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$84.00} XX/XX/XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX Collection/Chargeoff
Product: Student loan

After reviewing my account diligently recently, I have probable cause to believe I have been victim of " forbearance steering ''. 

ORIGINAL PRINCIPAL {$27000.00} ORIGINAL PRINCIPAL {$11000.00} Total payments from XX/XX/XXXX - XX/XX/XXXX = {$41000.00} * ( I am currently attempting to retrieve missing payment amounts from repayment initial start date thru XX/XX/XXXX, as that information has not been made readily available to me by Navient as of yet ). 

I have tallied up 80-90 months of forbearances through the life my loans which I first obtained in XXXX and began the repayment process in XXXX or XXXX. That is over 24 years and my account still has a balance of {$56000.00}. I am seeing XXXX cumulative years toward student loan forgiveness. In fact, I have not ever been counseled on any income-driven repayment program that may have been or is currently available to me, so Navient still has me on a standard repayment plan, which has my chances of any forgiveness set for the year XXXX, when the loan is set to mature. My current loan plan is Graduated Repayment. 

I originally received my loans under the Stafford Loan program ( FFELP- unsubsidized and subsidized ), which was discontinued in XXXX, so I had my federal loans turned into private loans ( not by my choice ) which has made me ineligible for the CARES Act during the Covid-19 pandemic crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX5 Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXXfurther more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy still showing from 2014. Have asked twice for it to be removed and received no consideration. As of now the bankruptcy still shows
Product: Mortgage

I send payments to this company in certified check and certified mail that must be signed for. I should that is is received but the stated I received does not show the XXXX payment. I have enclosed the information showing this. Not sure there problem. I do not want a late on credit report and I do not want a late payment charge.
Product: Checking or savings account

After XXXX dedicated years with USAA, they decided to close my accounts to include checking, savings, and credit card. Why? I was offered no explaination with the exception of it was the bank manager 's decision to close my accounts. My accounts are scheduled for closure on XX/XX/year>. 
I was sent notification stating : " Consistent with laws and regulations, all U.S. banks obtain information about their customers when they, or their transctions, present risk to the financial system. 
Apparently, there was some kind of risks that USAA refuse to let me know what the risk is that I supposedly committed. 
I was contacted by a representative of the CEO 's office who claimed that she only could report what she did not know since there is nothing in writing to substantiate this action.
Product: Credit reporting, credit repair services, 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. 

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 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 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: Vehicle loan or lease

My car was repossessed by Navy Federal Credit Union. The account was charged off. The information in regards to account was incorrect and the creditor did not send me any information about the sales of this vehicle. Under the State of California, Fair Credit Reporting Act and Federal Trade Commission the creditor did not provide me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX BANK AND XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX BANK AND XXXX  Account # 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

In XXXX of XXXX we reported 12 fraudulent charges on our Bank of America Mastercard totaling {$2300.00} for 4 different hotels between XX/XX/XXXX XXXX XX/XX/XXXX in XXXX, Illinois XXXX XXXX XXXX, Illinois. The charges were initially credited along with interest but then denied on XX/XX/XXXX. We called and got a supervisor on the phone XXXX XXXX XXXX who was very helpful and actually pulled up the fraud file and noted that each of the charges were suspicious and none of them were made by phone but neither was the card present with any of the transactions. He advised that this claim should not have been rejected. He called me back every XXXX weeks to advise that he was having the claim reprocessed. On XX/XX/XXXX I received a letter that the claim was " resolved '' and " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges an fees that you were charged. '' it went on to say ... '' You don't have to do anything on your end- you'll see the credit ( s ) on your monthly statement. '' We waited and waited for the credit but it never came through. I began calling to ask about the credit and then I received an undated letter with a XX/XX/XXXX postmark, stating, " Recently we received your notification that you do not agree with our resolution regarding the claimed fraud charge ( s ) in the amount of {$2500.00} on the above referenced account ... .While you disagree with the outcome of your fraud claim, the amount of the dispute is still owed, in accordance with your Account Agreement. '' I called on XX/XX/XXXX and was passed through 2 people and was told that they saw no credit on my account per the XX/XX/XXXX correspondence ( in my file ) but that the XX/XX/XXXX letter I referenced did not appear in my file. I asked for a supervisor and was told I would receive a call back. I never received a call back and despite ongoing calls am told that the claim was rejected and it too old to be revisited. With the initial claim of {$2300.00} plus interest for the past 3 years, this amount is substantial!!