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

I have contacted XXXX XXXX and XXXX XXXX XXXX about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for several months and have not received any correspondence back at all. This account is showing charged off, but " open '' and " 120 days late ''. It's also showing closed and past due. The account has also been " re-aged '' saying that it was reported XX/XX/XXXX but the date of last activity shows XXXX. I would like th is deleted please.
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 deleted : XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$1300.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees Ive 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 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

After our second CFPB complaint filed on XX/XX/XXXX I myself have recevied a response finally ( attached letter from Suntrust/Truist ) however our attorney received the offical Vailidaiton of Debt ( attached ) on XX/XX/XXXX. In writing Suntrust/Truist is stating they never received our demand for validation of debt on the multiple request sent to their address shown on ( MY CREDIT REPORT ). This means regarless of sending it to the address they put on my credit report they've conveniently denied receiving any legal communication since XX/XX/XXXX from us and our legal representation. Clearly we also didnt receive any of Suntrust/Truist 's commuication to collect a debt due to them sending their mail to the wrong address to us which I am glad that we've received the requested after 7 months to our correct address. Now that we have received what has been demanded for months with the help of the CFPB Suntrust/Truist is still in violation of FDCPA 809 which requires a response from them within 30 days and as you can see here at least 4 violations. Which they denied receiving our letter even though sent to their address published on our credit report. Furthermore, the fact that FDCPA 807 ( 8 ) has been violated multiple times still with our proof ( attached ) from my credit reports to where Suntrust/Truist Bank has still failed to enter a notice of dispute at any time which is required by federal law. Each of the above times we disputed they didnt enter a notice of dispute and along with the recent time through this CFPB platform on XX/XX/XXXX which they began a reply on XX/XX/XXXX and replied through this platform on XX/XX/XXXX which they did reply to the CFPB but not to us. Since they failed to enter a notice of dispute FDCPA 807 ( 8 ) has been violated multiple times. How many times are we going to allow this to happen without holding Suntrust/Truist Bank accountable to these violations? In their communication they have failed to address their violations of FDCPA 807 ( 8 )
Product: Debt collection

Midland Credit Management contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. Midland failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.
Product: Mortgage

We have reached out to our mortgage for help only to be lied to and denied help. We are eligible for a loan modification and are still being denied. We also are eligible for a forebearance or repayment plan which we are also being denied.
Product: Credit reporting or other personal consumer reports

Called Radius Global Solutions @ XXXX on XX/XX/year> @ XXXX PM spoke to XXXX ( would not give me last name, or company identifier ). Requested to validate the debt with date of opening, account number, amount due. He stated that my best interest was to pay the debt. I told him I would be more than happy to pay if he could give me documentation to legitimize the debt. He very strongly " advised '' me to just pay the debt. I again stated that I did not believe the debt was mine and that I have not had XXXX for a minimum of 12 years ( that I can recall. ) He then switched tactics to try and get me to pay {$1.00} for him to validate the information. I advised him that it was not my place to pay so that he can validate the information. By law his company must prove to me it is my debt. He then got very nasty and belligerent and I again asked for a full name and company identifier to which he continued to speak aggressively and deny my requests. This company has provided no proof that I own or owe this debt just accusations and strong arm tactics and I demand this collection be removed from my credit report.
Product: Debt collection

On XX/XX/ 2019 Mr. XXXX ' wife, XXXX XXXX, contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, FL, via telephone to ascertain what the procedure was for a repair to one of her rings. Soon after we received a letter that our account had been closed upon calling the financing Company XXXX XXXX  we were advised that the card we have had with XXXX XXXX for 5 years + and an account in good standing had been closed by us, upon re-battle the statement XXXX XXXX  Representative made up, to the point that they mentioned we had apply for financial hardship which it was incorrect, they also implied that I XXXX XXXX had called and not advised my wife ( which that is impossible as she handles ALL the household financials and just keeps me up to date ). A few days later come to find out that another account had been opened on XXXX XXXX2019 under my name with a credit limit of {$5100.00}. A charge was then also made via XXXX XXXX  online in the amount of {$5100.00}. I attest and swear under oath if needed that I XXXX XXXX nor XXXX XXXX requested for our current XXXX XXXX account to be closed nor have ever requested to open a new account. We the XXXX 's wife and husband have spoken with several representatives from XXXX XXXX and have opened a fraud account with their card services provider, XXXX XXXX XXXX XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Credit Application Denial for Application No. : XXXX Dear Sir or Madam, I am writing to formally dispute the denial of my credit application, which was communicated to me in your letter dated XX/XX/year>. The reasons for denial referenced several factors related to my personal credit history, including my credit score.

As a secured party creditor, I hold a valid UCC-1 filing that secures my assets, and therefore, I do not require traditional credit financing based on personal credit scores. Your reliance on my personal credit history in this decision-making process is irrelevant and inappropriate, given that I am not dependent on external funding to meet my financial obligations. Any assumptions regarding my personal credit history should not have been applied to this transaction. 
In addition, I believe that Bank of Americas decision may violate the Uniform Commercial Codes standards of good faith and fair dealing, specifically UCC 1-201 ( b ) ( 20 ), by relying solely on presumptive credit factors without considering my status as a secured creditor. I request that you reconsider this application in light of my secured position and without relying on my personal credit score. 
Please also consider this letter as a formal demand to reevaluate your decision and provide further clarification on the reasoning behind the credit denial. If necessary, I reserve the right to challenge any incorrect information that may have been reported to the consumer credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this letter and advise on the next steps regarding this matter. I expect a reconsideration based on the above information and a prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made to pull my credit report. XXXX XXXX  does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.
Product: Payday loan, title loan, personal loan, or advance loan

these items listed on my credit report are incorrect there is a bankrupty on my credit report tat is not mines. 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 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 XXXXXX/XX/XXXX
Product: Student loan

After EdFinancial reinstated my loan balance for the {$10000.00} in student loans payments I made during the student loan forgiveness that I requested, they subsequently reversed the {$10000.00} and told my I have to call my current loan servicer because that is who they received the final payment from. I personally made {$23000.00} in payments before I refinanced. I should be refunded for the payments I made to Edfinancial, not XXXX XXXX. Furthermore, the balance of {$10000.00} needs to sit on my Edfinancial loan in order for it to qualify for the student loan forgiveness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Experian, This is a self attestation that i am victim of human trafficking. The information listed below is an result in that XXXX These fraudulent accounts are 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, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to you today to bring to your attention a serious matter regarding improper credit reporting shown by Experian from XXXX XXXX XXXX XXXX. I have discovered that Experian has marked multiple charge-offs at incorrect dates, and has failed to mark the closed date of my account even after a dispute investigation. This is not fair or accurate under the law, and it is having a derogatory impact on my ability to access credit and other financial services. 

The inaccurate credit reporting shown by Experian from XXXX XXXX XXXX XXXX is causing me significant distress, as it is making it extremely difficult for me to obtain credit cards, a home loan, and even unemployment benefits. Despite having paid and settled and paid on XX/XX/XXXX, multiple charge-offs are still appearing on my payment history, which is affecting my credit score and making it difficult for me to secure credit. The first charge-off should be marked for XX/XX/XXXX and this should be the only marked charge of on the credit report but Experian has not yet fixed this issue even after they request a dispute. 

As a consumer, I am protected by the Fair Credit Reporting Act, which requires that credit reporting agencies provide accurate information about my credit history. The inaccurate information that XXXX XXXX XXXX XXXX is reporting is a clear violation of this law, and it is having a detrimental impact on my financial wellbeing. 

I urge you to investigate this matter and take appropriate action to ensure that Experian is held accountable for their improper credit reporting practices. I also request that my credit report be updated to accurately reflect the payment and settlement of my account, as well as the correct charge-off dates. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disouted this information with the bureaus for months and finally XXXX and XXXX has removed this fraudulent account but Experian is refusing to remove it although, they can not verify the information. I have submitted a FTC report and they have still failed to properly investigate and remove this account. I have proof from the creditor that this account is not mine and that they paid it due to a mistake and they owe me {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I ask you to pay attention to these fake accounts and figure out their origins because I do not know these accounts and they are not mine. 

Please take a look : XXXX XXXX XXXX I want you to investigate and apply proper action in order to remove them from my profile Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

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

Someone needs to hold them accountable for this XXXX XXXX XXXX CAPITAL ONE NA Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am refilling my complaint to TRANSUNION. I believe that my information is being misused and reported as inaccurate and this is complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these unauthorized inquiries reflecting in my credit report, that I was not aware of .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have XXXX amazon store card from synchrony bank and there is a duplicate charge of XXXX dollars from XXXX on the card by amazon.com that they already charged me on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX so I was charged for the same single item XXXX  times by XXXX and synchrony bank and there is also there are XXXX items that I returned to XXXX and each is for XXXX dollars and I only received XXXX refund on XX/XX/XXXX for only XXXX item but XXXX and synchrony bank still owe me XXXX dollars for the second item that I returned. So synchrony bank now owes me and should refund me both of these errors. XXXX for an overcharge of XXXX dollars that I was charged several times for the same item and XXXX dollars for the second item returned but never received a refund for it from XXXX
Product: Consumer Loan

This is a dental practice loan. Applied for refinance. This company already has the original loan. Process started in XX/XX/XXXX. Company has not been adequately responsive for last 2.5 months.. meanwhile I am paying the added interest to them. 
They are not answering emails or phone calls. I have been " approved '' per agent ( XXXX XXXX ) yet received no call backs for over ten days. HE is consistently not responsive. I left messages with other agents in an attempt to move this along. still no response
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. This information is fraudulent and I have no relationship to them. Please remove these information from my credit report immediately Inaccurate Addresses : 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: Mortgage

On XX/XX/XXXX I was contacted by XXXX XXXX XXXX informing me that my homeowners insurance policy had not been paid. It was due XX/XX/XXXX in the amount of {$780.00}. I immediately contacted RoundPoint Mortgage ( RPM ) and the representative informed me that the check would be sent to XXXX XXXX overnight. Friday XX/XX/XXXX I called XXXX XXXX to verify that the payment had been received and was notified that they had not received a payment. I call back to RPM and was assured that the payment was sent overnight to XXXX XXXX and if they had not received it by Monday XX/XX/XXXX to call back. I called XXXX XXXX XX/XX/XXXX and still had yet to receive a payment. I again called XXXX and was informed that a check had never been sent and it is not their company 's policy to overnight payments. The rep then informed me that they will request it to be sent and she would call me back with the check number. I never received a call back.I have called back each day since then to retrieve the check number and I have been given a different story each time. One rep told me that the money was electronically sent to XXXX XXXX. Another rep told me that they talked to XXXX XXXX and was given an additional 30 day grace period. As of today the payment still ha not been received by XXXX XXXX and my insurance is scheduled to cancel today at 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  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: Bank account or service

I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by XX/XX/XXXX, but no points have yet been deposited.