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

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. This issue I believe aligns with the recent CFPB findings against this particular bank. I believe this action was very unfair.
Product: Credit card

On XX/XX/XXXX, I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project, which included replacing tiles and removing and installing a new vanity. In addition to this payment, I had also purchased {$4000.00} worth of tiles separately for the project. The contractor requested the full payment upfront, which I provided. However, they failed to deliver the agreed-upon services and caused substantial damage to the bathroom wall during the process. This damage required me to hire another company to remediate it, incurring additional costs. 

Despite multiple attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX via phone and email to request a refund, they never responded. I provided all necessary evidence, including letters and proof of my attempts to resolve the issue directly with the XXXX, when disputing the charge with Citi Bank. Unfortunately, on XX/XX/XXXX, Citi Bank responded that they are denying my dispute, leaving me with both the financial loss of around {$12000.00} and the additional expenses of repairing the damage caused, plus the {$4000.00} I spent on tiles.
Product: Credit reporting or other personal consumer reports

My financed vehicle was involved in a total loss settlement that resulted in the loan balance being paid in full. Due to the delay in closing the claim, I continued to pay the monthly payments as scheduled, for the periods of XX/XX/XXXX and XX/XX/XXXX. As the insurance company payment was retroactively applied, the finance company refunded me the balance of those payments that I made in the interim. 

In processing the adjustment to my account, the Ridgecrest rescinded those legitimate payments and erroneously notified the XXXX credit reporting agency that I was delinquent for the period of XX/XX/XXXX and XX/XX/XXXX. This has resulted in an erroneous 60 day delinquency to be associated with my credit profile. 

I would request that this erroneous notification be immediately removed and that Ridgecrest be assessed an appropriate penalty.
Product: Mortgage

I am currently having an issue with Bank of America regarding a modification that was processed without my permission or signature. I have contacted them but I am not receiving any assistance and they have not returned my call. I was at time of origination the primary borrower. The home was awarded to my spouse via divorce decree and I was told upon signing a release deed that was prepared the loan would be modified and my name removed. I was not provided a copy of the modification for review or signature. Upon. A recent credit check I am now aware m name is still on the mortgage and I have been told my the account rep from Bank of America that their policy does not require all responsible parties to sign the modification. My understanding is that any change in original repayment terms require all responsible parties to sign and acknowledge. Can you help me?
Product: Credit reporting or other personal consumer reports

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax grossly mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am very disappointed in Equifax 's handling and reporting of this breach. Little was done to notify anyone for nearly a month after the breach was discovered. I received no contact ( email, letter, or call ). Instead, I discovered it word of mouth and social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, for the past 4 months my Equifax credit file has been unavailable. I can no longer look at my credit report, nor can I see my history. I am not able to remove or manage a freeze. I have sent my social security card and driver 's license twice to Equifax. I sent it certified mail this last time and they received it XX/XX/2021. On XX/XX/2021 and XX/XX/2021. I was on the phone with Equifax for over an hour each time trying to get this issue resolved. The first associate on XX/XX/XXXX lied and said the issue had been resolved, but couldn't provide a confirmation number. I called back XX/XX/XXXX and the representative had me on the phone for over an hour and told me the issue had been resolved as well. Still no confirmation number. I called XX/XX/2021 and I was told I can ' t speak to a representative in the United States and Equifax system was down at the moment and to call back in two hours. I am not able to apply for anything, it seems that I don't exist in the Equifax world and this is truly a hindrance to my life.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 
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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I am unaware of this debt. I didnt have an opportunity to dispute this information. I didnt receive proper notification or verification before it was added to my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), collectors are required to send consumers a written notice within five days of their initial communication, providing information about the debt, including the amount owed and the name of the original creditor. As of my knowledge, I have not received any such notification regarding the debt in question. If in fact you believe you gave me proper notification then please provide the certified receipt with my name and signature on it as well as Documentation proving that I was properly notified of the debt in accordance with the FDCPA, including copies of any letters or notices sent to me.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and found numerous errors. These errors include closed and written off accounts as well as a data breach that included my information. I would like these errors removed immediately from my accounts to get negative items off of my report.
Product: Credit reporting or other personal consumer reports

Background : Since XXXX, you have been fighting to resolve issues with Experian after experiencing identity fraud during the XXXX pandemic. This has been an ongoing struggle for nearly five years. 


Documentation : You have proactively sent documentation to Experian supporting your claims of identity fraud. This includes evidence of fraudulent activities that are linked to your credit report. 


Lack of Investigation : Despite your efforts and the submission of relevant documents, Experian has failed to investigate your allegations adequately. This lack of action has contributed to ongoing issues with your credit report. 

Disputed Items : You are specifically looking to have certain items reinstated or removed from your credit report, arguing that they are fraudulent and not tied to your identity. The persistence of these items has negatively impacted your credit score and financial opportunities. 


Resolution Seeking : You have been actively trying to resolve these disputes with Experian and seek reinstatement of your true creditworthiness, emphasizing the need for a fair evaluation of your claims. 


This ongoing battle underscores your frustrations and the need for Experian to take accountability in investigating and rectifying the issues related to your identity fraud claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ) I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ) Experian is liable for damages due to non compliance and shall compensate me for {$1000.00} per inquiry.
Product: Bank account or service

When contacting Wells Fargo to stop an ACH debit for a specific company they require the amount. If the company changes the amount to try and get the money, Wells Fargo requires you to place another stop payment for additional {$31.00}, for any amount that they may try to process. This can add up and puts the customer in a situation to be taken advantage of by the ACH company or Wells Fargo. They should be able to stop an ACH payment based on the ACH company name.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to me.
Product: Checking or savings account

American Express closed my account around XX/XX/XXXX. I have {$150.00} in my account I can prove where my funds came from down the exact time, pay and company. They are taking an extreme route and forcing me to dispute my charges transfers I made into my Amex HYSA. This hurts my relationship with my bank XXXX XXXX. I just want my {$150.00} dollars back, thank you.
Product: Mortgage

On XX/XX/year> I received the closing disclosure from my bank as I was selling my property in XXXX XXXX and cancelling the mortgage loan. According to the bank the mortgage pending balance was {$170000.00} but in my bank app account, the pending balance was {$160000.00}. 

I asked the bank and XXXX XXXX XXXX XXXX said the difference was probably due interest adjustments, and everything should be corrected on the closure. Then after the closure I asked several times and i did not receive any answer from XXXX XXXX. 

I used to pay my loan every XXXX so if I paid my last loan bill on XX/XX/XXXX and my bank app account said the pending mortgage balance was {$160000.00}, how could it be possible that I was applied a higer amount? 

Secondly, a few weeks after the closure my ex-wife received a check from BPPR related to the closure. But she was not the owner anymore and I couldnt get any information about that check. That check should have been sent to me directly as the only seller of the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian hasn't been reporting accurately to my various accounts, there for adversely affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.
Product: Debt collection

XXXX Credit Control , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Refusal to Pay Debt and Immediate Cease and Desist of All Communication To Whom It May Concern, I am writing to formally refuse to pay any debt associated with the account numbers ending in XXXX XXXX XXXX, which you claim I owe. 
I hereby demand that you immediately cease and desist all communication with me regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq., specifically Section 1692c ( c ), you are prohibited from contacting me further except under limited circumstances. This is a demand for you to stop all forms of communication, including phone calls, written correspondence, and any other methods of contact. 
Consider this letter a formal notice that I do not owe this debt and that I am refusing to pay it. If you continue to attempt contact or pursue this matter, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing any additional legal remedies available to me. 
This matter is considered closed and I will not engage in any further communication on this issue. 
Sincerely,
Product: Debt collection

This is in reference to account XXXX which showed as opened on XX/XX/2020 for the amount of {$200.00}. The original creditor is showing as XXXX XXXX XXXX XXXX XXXX XXXX ). This debt has been showing on my credit report with different collection companies and Ive previously disputed this account since I have not received an original contract with my signature showing this account belongs to me. If you can not send proof as request, I am requesting this debt to be removed from my credit reporting.
Product: Credit reporting

Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 2-3 weeks ago : Attempted to access Equifax account to insure flexibility in changing the freeze status of my account. Could not access. After an hour on hold, finally reached a representative who proceeded to ask security questions to verify my identity. One or more of the questions concerned accounts that had been closed for several years, so I, obviously, could not answer. So account access was not granted. I was instructed to request a credit report via mail and contact them upon receipt. 
Today : Called back. On hold for 30 minutes again. Hold recording said I could press the one button and be called back. Did so and was immediately disconnected. Called back. On hold for 20 minutes. Was then connected to a representative. Spoke with broken English. Very difficult to understand. Was asked four questions from my credit report which I had directly in front of me. Somehow, I failed. After some discussion, I was given a second chance to obtain access to my own credit account. 
Was able to provide the information to her satisfaction and was told that I had properly identified myself. With representative still on line, attempted to sign in to account and was rejected. She said to wait 24 hours and try again.

My confidence level of account entry in 24 hours is very close to zero. I would like to appeal to the  powers that be to intervene with this company and insure that the customer base is serviced properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, XXXX, and Transunion of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my LexisNexis report. I tried to get it investigated via mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, however, Lexis Nexis only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. Lexis Nexis did not open disputes as requested. I will be attaching the dispute letter that I sent on today, XX/XX/XXXX. My license, bank statement, and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Credit card

I have had an American Express Card for a number of years. I've used it only for XXXX air travel which I've largely stopped since XXXX. My wife usually pays our bills and I found out a few months ago she's been paying a {$7.00} monthly fee. I thought the card was charge free and called, the charge was a monthly bill from XXXX. However I have no XXXX service. 
I called American Express, they indicated they couldn't help that I needed to take it up with XXXX I called XXXX but they had no record of me having a service contract with them and said they couldn't help. I cancelled my American Express last month. 
Now I ' m getting bills from American Express for XXXX charges AND a late fee. When I live chatted with American Express just know they said I needed to take it up with XXXX. 
Why should I pay for services I don't receive and late fees on top of it??? 

I've had a few false charges on my XXXX XXXX but never had problems getting them sorted out.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report