23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried communicating this to UAC, and XXXX  for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing several disputes with Equifax and XXXX, both still refuse to remove a collection account from my credit file long after the creditor sent me a letter indicating that the account is paid in full and that the company would be notifying the three major credit reporting agencies to take the appropriate action on the account. Both companies are in violation of the Fair Credit Reporting Act! 

See current copy of my Equifax report still showing the account as a collection account with a XXXX balance. 

See copy of the letter sent from the creditor that describes the statement I mentioned above.
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 due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit card or prepaid card

On XXXX I called XXXX, after receiving a letter dated XXXX. The purpose of my call was to request my XXXX credit card account be closed immediately. The purpose of their letter was to tell me XXXX was changing credit card companies and would be closing my existing account in the near future and opening a new account for me through Barclays Bank. 

In my conversation on XXXX with XXXX, the XXXX customer service representative, I requested my XXXX card be closed immediately and directed that a new card not be issued, because I did not agree with the terms of the new card. Specifically, I was opposed to the interest rate in excess of 25 percent. I was very clear that XXXX and Barclays Bank did not have my authorization to open a new credit card account in my name. XXXX confirmed a new Barclay 's account would not be opened. 

In the mail on XXXX, not only did I receive a new credit card from Barclays Bank in my name, but my husband and daughter also received credit cards under the same account. 

Unbelievable! As a XXXX XXXX at another banking institution, I am absolutely sure if I were to open an account for a consumer without their knowledge and after they specifically had told me they did not want the account, I would no longer be working for the bank. 

XXXX and Barclays Bank opened a new credit card account in my name, without my knowledge, and against my wishes. As a consumer, I view this as fraudulent bank activity and both companies are at fault in allowing this to occur.
Product: Bank account or service

Wells Fargo has recently sent me a letter claiming that they have addressed the situation in regards to my previous dispute, and that it can not comment on certain employee disciplinary sanctions ( if any ). 

Wells Fargo had initially sent a letter to me stating that the company denies any deposit taking place on that date ( please refer to my previous complaint sometime in XXXX or XXXX 2016 ), and even claims that I was not present at the time I have stated I was making the deposit. 

I would like to know Wells Fargo 's and the CFPB 's stance on this situation. I want accountability. 

Thanks.
Product: Credit reporting or other personal consumer reports

The following reported Public Records/Bankruptcy accounts contain inaccurate and erroneous information. 

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

Chase Bank, N.A. is double-reporting one account to XXXX. I have a revolving credit card with a credit limit of {$34000.00} and a balance of {$10000.00}. I received an alert that my credit score with XXXX went down 43 points overnight. I pulled my credit report and saw that Chase Bank is improperly reporting this account twice - and therefore my credit usage and new accounts opened in a short period of time is negatively impacting my credit score. 

I am in the process of buying a new home, and this false reporting may potentially have an adverse effect on me. I demand this be fixed immediately and documentation provided to me by Chase bank within the prescribed period of time under FCRA to evidence this has been remediated. 

Additionally, Chase does not give clients the option to dispute a credit reporting error via the phone or via email. They expect consumers to mail a dispute to their processing center and wait for 30 days for a response. Absolutely ridiculous that Chase does not provide for an automated solution to fix errors due to their negligence.
Product: Vehicle loan or lease

A payment was made of {$280.00} and applied to an old lease account that was closed at the time of payment. We were never refunded this payment. The account was XXXX it was paid through XXXX bill pay on XXXX We should have been refunded this payment.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, VA XXXX XXXX  ) XXXX ( XXXX ) XXXX Re : Acct # XXXX  To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE {$500.00} TO BOTH OF YOUR COMPANIES? This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Sky Cash USA was sent revocation of Ach and Power of Attorney on my behalf by XXXX XXXX XXXX. They have ignored this request taking {$90.00} out of my account on XX/XX/XXXX a day early. Payment was not suppose to be taken until XX/XX/XXXX. Sky Cash then took a payment out of my account again on XX/XX/XXXX, I had luckily paid {$32.00} to my bank for a stop payment. Hopefully that payment will be returned to me. I am already making payments to XXXX XXXX XXXX in an effort to pay this debt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not release my credit report to mortgage broker so I can apply for a loan. They told them the address and birth date were incorrect. I called Equifax with my information, my birth date and address were enough to verify I was me but yet I was told my birth date didn't match with what was on file ( though it did just a few months ago ). When I asked why, I was told a company likely reported it was different and they accepted it at hand, but won't tell me what company it was ( even though it could be negatively affecting my score ) nor the birth date they showed. Then they said they showed no birth date on file for me, which can't be right since they provided another broker with a report just a few months ago. 

Now, in order to verify my birth date, even though they said I had correct month and day, but not year and then XXXX minutes later, no birth date, I have to mail just a copy of my identification and social security card to their dispute department. 

First, this doesn't seem very secure for very personal information. Secondly, how can XXXX reporter change all my info and not send a red flag to them? I have numerous credit cards, a credit line and a loan all reporting same information, but XXXX company can change it all? Why am I not allowed to know who changed it, as it could be a fraudulent account or attempt to steal my identity? This just does not seem right and like there's something more that should be and can be done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  {$2200.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Product: Consumer Loan

I purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

on XX/XX/XXXX my mom in NY was contacted from a California Phone number XXXX in regards to a court summons Iawsuit for me. I called the the number and was told I was being sued on an old bank account. I had 2 choices, to pay them over {$3000.00} for the amount owed to the bank and their lawyer fees. I called the bank and they said that the account was overdrawn by {$80.00} and was sent to collections, the company went out of business and the debt was settled. I was currently in good standing with the bank. The account was settled in XXXX. I called the county clerks office and there are no pending lawsuits against me. This company XXXX XXXX doesn't exist anywhere, and they have my social security number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof. 

When asked about the debt in question they stated I'd have to go to court to get any proof of the debt. When I asked why I wasn't served in person, they said because of COVID, they weren't going door to door.
Product: Debt collection

This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.
Product: Credit card

This company lied about a promotion of not charging interest on my account. I was led to believe that I would have at least 18 months interest free payments on the account which was never the case. Instead they began to charge me interest which led to me discontinuing the account. They also continue to call me, my family, and relatives regarding this issue when I have asked them numerous times to stop.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am having a problem getting my annual credit and consumer report from XXXX XXXX, XXXX XXXX XXXX and Chex Systems. I want XXXX XXXXXXXX XXXX XXXX XXXXs and Chex Systems to send me a complete copy of my annual consumer report via XXXX mail. Full Name : XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Minnesota Drivers License Number is : XXXX
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 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting

It appears my ex husband whom I got divorced from XX/XX/XXXX has been taking out credit in my name. I have been living back in XXXX since XX/XX/XXXX so I have not taken out a mortgage, store card or bank card in the U.S.A. in that time and yet Equifax wants information on all these types of loans to verify my identity for a free yearly credit report. 

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

Your credit file indicates you may have a mortgage loan. Who is the credit provider for this account? 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$670.00} - {$770.00} {$770.00} - {$870.00} {$870.00} - {$970.00} {$970.00} - $ XXXXNONE OF THE ABOVEYour credit file indicates you may have a retail card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX, XXXX, INCNONE OF THE ABOVEYour credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX XXXX XXXXNONE OF THE ABOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, your company already block some of the information a copy of previous complaint is attached but two accounts appeared in my credit ( XXXX XXXX XXXX and XXXX XXXX ) please block these items that do not belong to me, thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Self Financial responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. Self Financial failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can Self Financial complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. Self Financial failed to provide a Method of verification.