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

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed XXXX times. But they have yet to show me how it is my collection, how it belongs to me, etc. 

I have disputed this account XXXX times. 
This is not my account, i dont know who it belongs to. 
The creditor has never reached out to me. 
It is medical and under {$500.00} and just showed up in XX/XX/2022. 

They are incorrectly, and knowingly improperly reporting a collection on my credit report.
Product: Credit reporting

I had a XXXX XXXX account in XXXX. It was first reported delinquent in XXXX. The account was paid and should have been removed from my credit bureau in XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... Transunion, XXXX and XXXX.
Product: Checking or savings account

My phone and wallet was stolen at XXXX resulting in multiple fraudulent charges at ATMs, hotels, and many other institutions. I tried to report it but an agent told me that I had to wait until it was done pending so under those directions I did and that resulted in more and more time for fraudulent transactions. Remember my phone and wallet is both stolen so everything of my personal information is in the hands of another person. I report these abundance of fraudulent transactions and get prompted a new account, new card, new login. The fraudulent amount was for {$6000.00} roughly. I get my money transferred from my now old that was accessed into my new one ( around {$1400.00} ) and issued my adjustment for my other charges. My ID was stolen in wallet ( previously ) and I called Navy Federal and the customer service representative recommended a cashier check to a third party for they could be able to withdraw it if I wanted to access it without an ID.. ( my new card was in the mail ). I initiated the cashier check and had my payee go to the navy federal branch to pick it up but she was directed that I needed to be there with my ID ( the customer service representative told me nothing of me needing my ID or else I wouldnt have even did the cashier check ) so the woman at the actual branch says I need to call and cancel that check and ask for another service ( I forgot the name ) that allows me to give permission for the payee to withdraw it without me I believe. So I call and the woman is able to cancel it through the phone but said she couldnt do the option I asked for. After that phone call I tried to log into my app off my XXXX and it would not let me sign in saying I had to call the help line. I call and is told my account is closing and my cancelled cashier check that was suppose to return my funds of {$6300.00} is on hold. Today is XX/XX/XXXX and my account is still in closing status and funds is still on hold after me submitting an appeal even though I was directed by an navy federal employee but somehow ends up on the short stick. My account shouldnt be closing. I was literally on the phone with representatives so how could my account be closing and everything I have said and done has been truthful and verified since I am the account holder. If I was fully told that it ran this risk I wouldnt have even initiated a cashier check since I didnt even know what one was prior to talking to the customer service representative. I have been calling and calling for updates and there is none but my account is still closing and my funds are still on hold. This is not right Navy Federal at all. Listen to a value customer. Fraud was not on my calendar and if none occurred I wouldnt be in this predicament.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information of accounts that have been identified as opened fraudulently. According to the FCRA 605B any accounts that have been opened by way of identity theft shall be blocked from reporting and removed. 

These accounts are Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$850.00} Terms name XXXX XXXX XXXX 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$42.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1800.00} Highest balance {$82.00} Terms - Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$640.00} Account name XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$50.00} as of XX/XX/XXXX Monthly payment - Credit limit {$450.00} Highest balance {$1400.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} These accounts should be removed off my account immediately as they are a result a fraud.
Product: Debt collection

I have not received any private student loans since XX/XX/2005. According to statute of limitations on private student loans which is 10 years company is now unable to collect under the statue of limitations Currently I am being harassed daily through phone calls, emails, written mails, etc by Navient for repayment of private student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for federal student loans for the past few years and I am current. I am XXXX and this harassment is a huge inconvenience and very unhealthy. I will be seeking a lawyer for this misallocated payments and all harassments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 + Inquiry details XXXX - XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card XXXX. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I was charged {$430.00} by XXXX XXXX in error.I disputed the erroneous billing charge with CitiCards and on multiple occasions provided the final billing statement which showed I was charged for mileage in error as the statement states unlimited miles are included. In addition to the total due being far less than {$430.00}, I've attached the last submission and copies of documentation provided to Citi showing this. 

Citi however, has refused to correct this billing error despite being informed and provided with the documentation provided by XXXX directly of what the actual amount due and correct charge should have been for. 

On XXXX I received a letter from citi stating Without a valid credit slip they are unable to intervene on my behalf with the merchant or their bank.Yet, Citi has been provided with all the necessary documents needed to dispute this invalid charge, and simply refused to do it.
Product: Debt collection

Received a " Satisfy in Full Offer '' letter in the mail from Capital Accounts , LLC, on XX/XX/2022 letter dated XX/XX/2022, on behalf of XXXX XXXX XXXX XXXX XXXX for a total sum of {$9900.00}, satisfy in full price of {$5900.00}. There is no other information on this letter. There is no other information on this letter. No mention of what services or goods this is in regard to, or when it was turned over to collections. I have checked my credit ratings I do not show any outstanding debt to this company. I have never used their services.
Product: Bank account or service

On XXXX XXXX, 2015 I received a letter addressed to me stating that my Navy Federal Credit Union ( NFCU ) account was restricted due to transaction activity conducted on my personal account and that the activity conducted does not fall in line with NFCU 's underlying acceptance of risk. The letter instructed me to proceed to the nearest branch to withdraw all funds and close the accounts. 
I in turn went to a local NFCU branch in XXXX, VA on Thursday, XXXX XXXX to withdrawl all funds and close my accounts. However, upon arriving and speaking with a representative, I was told that my account was locked and even she could not withdraw the funds due to my account being under investigation. The branch had me speak to a security specialist, whom directed me to call her back the following Friday, XXXX XXXX to check the status of my account. 
I in turn called the security specialist on Friday, XXXX XXXX. She told me that there was a letter in the mail to me and to await the receipt of the letter. 
On Monday, XXXX XXXX, I received a XXXX letter from NFCU dated XXXX XXXX, 2015. This letter stated that after NFCU reviewed their records, it has been determined that the activity conducted on my personal account does not fall within their underlying acceptance of risk and for that reason, my personal account will remain restricted from use indefinitely and that I am to visit my nearest branch to withdraw all funds and close the accounts. 
On Monday, XXXX XXXX, I again visited a local branch in XXXX, XXXX After waiting for over an hour with my wife and newborn child, I was again told by the branch representative that the account was still locked and she was unable to withdraw the funds and close my account until the account was unlocked. She in turn called the security specialist whom was unaware of the signed letter sent to me dated XXXX XXXX, instructing me to visit the branch and withdraw my funds and close out my account. The security specialist then told the branch representative to fax her a copy of XXXX the letters I received, in addition to a letter written by me requesting to withdraw all funds and to close my account. The latter was not a requirement of either letters I received, but I sat there and did as I was requested and hand wrote the letter, signing and dating it. 
All in all, I have no issue with NFCU wishing to close my account, but I do take issue with the fact that they have sent me not XXXX, but XXXX signed letters from their Senior Vice President of Security Department, instructing me to visit my local branch to withdraw all of my funds and to close my account. I have wasted too much time with this matter and have done what has been asked of me. They are withholding funds that are legally mine which they 've instructed to permit me to withdraw. 
I do not know what to do, but this institution clearly does not know what it is doing.
Product: Student loan

I have tried multiple times over the past 3 months including today to contact this company, they purchased my student loan from ACS and they have entered some wrong information into the NSLDS that is preventing me from recertifying for my IBR. I can not reach anyone EVER! This can cause my loan to go into default which would negatively effect my credit that I am trying to rebuild!
Product: Credit reporting or other personal consumer reports

Over the past few years, I have repeatedly disputed these accounts with XXXX. To date, XXXX has neither provided proper verification of the accounts nor issued a 1099 form for the reported accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX of XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ 7 POTENTIALLY NEGATIVE MONTHS & NEED ACCOUNT DELETED ASAP PLEASE. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Mortgage

We had to take part in the Cares Act for non payment of mortgage around mid year XX/XX/2020 due to Covid-19 and again soon after the 6 months for same reason. I was told that at the end of the 6 months to call my mortgage lender and the balance owed would be added to the back of the loan. Apparently this never happened because before we knew it our home was on the Sheriff 's sales list and at pre-foreclosure! The bank wanted {$41000.00} upfront in one lump sum! We could not do such a thing so we were put on foreclosure. My husband had to declare bankruptcy! to keep the home. We're making payments every month but struggling to do so ... {$1800.00} roughly a month. {$1000.00} ( Current mortgage amt ) plus {$800.00} ( Past due mortgage ). I'm reading that this wasn't supposed to happen! Any help would be greatly appreciated. 


Thank You,
Product: Consumer Loan

I APPLIED FOR A XXXX AUTOLOAN WITH XXXX, AND CALLED TO HAVE MY FIRST PAYMENT SKIPPED XXXX SEE ATTACHED ) AND ASSUMED IT WAS APPROVED AND MISSED FIRSY PAYMENT, AND IS REPORTING ON CREDIT REP, ITS PARTUALLY MY ERROR AND NEED THEIR GOODWILL HELP CORRECTING LATE PAYMENT XX/XX/XXXX.
Product: Debt collection

i get daily and repeated calls from discover card even though i asked to to stop calling my work place ... they call at least 3 times a day. i have gone into debt consolidation with the slate group and they have also been contacted by slate to let them know about my debt settlement.
Product: Debt collection

Law Office Posted 2 Different Foreclosure Times. Proof of Sloppy Actions which have continued
Product: Money transfer, virtual currency, or money service

My complaint is that there is no business or consumer protection at the bank level when a customer is scammed/frauded into action inside the bank accounts. 

I was called by XXXX woman who identified herself as the Wells Fargo Fraud department. She asked me if I had made recent purchases - I had not and told her no. She then told me I had wire fraud happening and she gave me a bunch of information about the case - mimicking a Wells Fargo case id, the amounts and which accounts it was from by using the last XXXX digits of the account numbers. She said the fraud for wires would call back on the same number and that she would hold until that happened then hang up, she told me who would be calling from that department. He did. He then proceeded to walk me through " returning the funds to me '' via the app, he told me to write his name down, with the account number she gave me, which was framed to me as a case number also, he said, before you add recipient write XXXX in the memo to reverse the wire. Then when you add recipient, it will change to your name. It did, so it looked like I was wiring myself. All of this was done in app. He then said I would receive a text saying, WELLS FARGO BANK : Wire transaction amount of XXXX has been canceled and will be refunded. I did ( I made XXXX WIRES ) because it was framed as the only way to return both attempts. The phone number I got the text from was XXXX. The next amount was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name is incorrect on my credit report.