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

Please help to rectify this matter. Several months ago, I noticed many mistakes as I inspected my credit report. I immediately reached out to Experian, XXXX, and XXXX, requesting the investigation of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also a more recent account that I disputed, but less times than the others, " XXXX XXXX XXXX XXXX ''. I have mailed out XXXX dispute letters to the credit reporting agencies. All mail has been sent certified, and USPS tracking has confirmed that the mail has been left with company agents. I have informed the credit reporting agencies that they are reporting a plethora of inaccurate information. I made sure to include a copy of each credit report, with highlighted information indicating what needed to be investigated, as well as with the reasons as to why. I also informed them that the information being reported amongst them is very inconsistent and contradictory in comparison to one another. To this day, I have XXXX indication that an actual honest and ethical investigation was ever conducted on my behalf. Still to this day, I have no communication that my dispute was being handled or processed. I never received any credit reports reflecting any investigation results, -which I requested within each dispute letter. There has been XXXX correspondence altogether. Why are they are failing to help me, or respond to me? This is not fair! The credit reporting agencies did not follow 15 U.S. Code 1681i, which details the steps they required to follow in the case of disputed accuracy. The furnishers listed above violated 15 U.S. Code 1681s2, which prohibits furnishers from reporting information that is believed to be inaccurate by the consumer. The furnishers never followed this rule and continued reporting during each and every dispute! Furthermore, my right to privacy is being violated. 15 U.S. Code 1681 states that credit reporting agencies have a grave responsibility to be fair, as well as respect my right to privacy, and 15 U.S. Code 6801 states each financial institution has an affirmative and continuing obligation to respect my privacy, as well as to protect the security and confidentiality of my nonpublic personal information.That is not happening! My private nonpublic data has been compromised, and is being shared with nonaffiliated third parties without my expressed consent! None of these financial institutions clearly and conspicuously disclosed to me that my information would be reported/shared, or provided me with any options to opt out of reporting, which is in violation of 15 U.S. Code 6802. I never had the chance to exercise my rights. No consent is merely identity theft! Their careless actions have caused me severe harm and inconvenience.
Product: Mortgage

I am writing this letter for help with a fraudulent activity on behalf of Navy Federal Credit Union. I cancelled a Home Equity Line of Credit with the financial institution after the processing officer came to my home with documentation with ambiguous terms. The terms were not discussed during the application process. I contacted Loan Office, XXXX XXXX and cancelled the loan on XX/XX/XXXX. I submitted the Right to Cancel form within a day of my cancellation email. I have included my cancellation email to XXXX and the Cancelation form received from the XXXX XXXX on XX/XX/XXXX. 

Also, many of the Navy Federal Credit Union employees were rude and argumentative that this action didnt happen nor could happen, if I cancelled it. It did happen. The paperwork was submitted to XXXX County Registered of Deeds were filed on XX/XX/XXXX ; Book XXXX Page XXXX. 

This fraudulent activity has been recorded with XXXX County Registered of Deeds since XXXX. The activity is not on my credit report but a lien on my residential property. This matter has caused a delay and questioned my reputation with another financial institution for another real estate transaction. I need a certificate of satisfaction from Navy Federal Credit Union sent to XXXX XXXX Registered of Deeds. It is mind bobbling that I would have to ask for a certification of satisfaction when the loan should not have been processed. 

Lastly, I have been paying higher taxes on my residential property because of Navy Federal Credit Union activity. This is causing me time and resources. I need this resolved and refund for overpayment. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, COMENITY BANK WAYFAIR, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting

XXXX XXXX XXXX filed a judgment against me for an unpaid loan ; however, I was not aware of this because the information was sent to an old address that they had when I entered in the loan agreement. I did not know about the judgment until I pulled a copy of my credit report in XX/XX/XXXX. The first judgment was filed in XXXX XXXX but it was closed. Then they refiled in XXXX XXXX and because I was n't aware of the judgment, I did not appear in court so a default judgment was awarded in XXXX XXXX. The credit bureau originally showed XXXX XXXX on my credit report as the filing date back in XX/XX/XXXX ; however, they have since reported the filing date of XXXX XXXX even though that is not the correct filing date. It is my understanding that a judgment is only permitted to appear on my credit report 7 years from the filing date not the award date. Therefore, this judgment should be removed immediately. I do not have a copy of the original court paperwork because I never received it but I have sent the attached document that was obtained on the court website to all XXXX credit bureaus but XXXX & Experian will not remove the item or update it & the filing date remains XXXX XXXX. They advised me that they verified this information and the information they are reporting is correct. Thank you.
Product: Debt collection

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. 
Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Checking or savings account

I currently have a checking and savings account with SoFi bank. Recently I had casino winnings deposited via electronic check from the casino to my banking institutions checking account in the amount of {$10000.00}. Now, days later, they have sent an email stating that my account is restricted. The email stated your has been temporarily restricted while our team investigates the nature of the activity. We apologize for the inconvenience, but during this time you will not be able to complete any withdrawal activity on your account, transfer funds, or use your debit card. In addition, it advises to contact the company immediately to resolve the concerns. Upon contacting the company via phone on multiple occasions, they say do not contact them, they dont know why the email says to and theres no timeline to when they will resolve this. The customer service agent tonight told me he has seen it take XXXX years before for a client. I am struggling from a medical condition and this was my only funds to pay for my XXXX in XXXX and they wont provide any assistance and are completely holding my funds with no answers as to why. I even tried providing receipt proof of my winnings in case this was the indication of unusual activity and they wont accept anything. They said they cant tell me anything and it can take years to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listing the incorrect address for American Honda Finance/Honda Financial Services. The street address is listed as XXXX XXXX XXXX XXXX. The XXXX street address in North Carolina is XXXX XXXX XXXX XXXX. XXXX is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as American Honda Finance. The correct name should be Honda Financial Services. Honda Financial Services also has an address in Texas - Honda Financial Services, PO Box XXXX, XXXX, TX XXXX. What is the correct address for Honda Financial Services for communication regarding consumer credit reporting - Texas or North Carolina?
Product: Credit reporting or other personal consumer reports

It has been months!!! ABOUT 2 years total but months since my last dispute and I have been disputing a XXXX $ FRADULENT ACCOUNT OF XXXX! I AM VICTIM OF IDENTITY THEFT. I HAVE COMPLIED AND GAVE PROOF TO ALL BURUEAS OF POLICE REPORT AND IDENTITY THEFT REPORT ; THIS SPECIFIC ACCOUNT HAS BEEN REPORTED AND DISPUTED AND SENT ALL PROOF THROUGH CERTIFIED MAIL AS WELL AS DISPUTES HERE ON CFPB ABOUT 3 TIMES OR MORE I DONT REMEMBER THE DATES BUT THE PROOF IS HERE AND IN MY EMAILS AND PHONE CALLS ETC! ALL PHONE CALLS ARE RECORDED! THE COMPANY XXXX SAID DIDNT HAVE IT, THEREFORE IT WAS CLOSED AND THEY SAID XXXX XXXX XXXX HAD IT AND I CALLED THEM IN XXXX THEY TOLD ME!! XXXX XXXX XXXX TOLD ME IT WAS CLOSED AND BEING TAKEN OFF BECAUSE THEY SAW MY POLICE REPORT AND I AM VICTIM OF IDENTITY THEFT. EXPERIAN AND XXXX XXXX HAVE VIOLATED MY FEDERAL RIGHTS MORE THAN ENOUGH TIMES AFTER THAT AND STILL IT IS REPORTING NEGATIVELY ON MY REPORT AS WELL AS XXXX XXXX XXXXXXXX HARD INQUIRY ON MY XXXX XXXX I SENT PROOF OF FRAUD AND THEY STILL HAVENT TAKEN IT OFF AFTER BEING TOLD MULTIPLE TIMES AND GIVEN THE PROOF!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inquires on my credit report that I never seen or authorize
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid off my car loan ( XX/XX/XXXX {$410000.00} ). After that, the automatic debit charged XXXX more payments on the car ( XXXX, and XX/XX/XXXX each {$20000.00} ). When I found out, I took it off automatic debit so they wouldn't charge me any more installments. Since XX/XX/XXXX, I have been trying to get this money back and have not been successful.
Product: Credit card or prepaid card

I was incarcerated from XX/XX/2021 to XX/XX/2021. While I was incarcerated someone accessed my direct express account and spent {$1300.00} of my money. When I was released I filed a dispute on all the charges that occurred while I was incarcerated. I provided direct express with my detailed release report ( which stated the day I went in and the day I was released from jail ), a police report, and my personal statement. They denied my original claim and are now giving me the run around with escalated claims. Stating that because the people used my card at places that I normally used it that it basically made it ok. They are refusing to give my money back even with the proof I have given then that I was incarcerated when the charges were done. The people that done this used the direct express app that was on my phone and reported my card lost and ordered a new one. When I filed the original dispute direct express did issue me a new card. That is all they have done however.
Product: Mortgage

OnXX/XX/2018 I resigned as a Loan Officer with LendUS ( XXXX XXXX XXXX  ). Per my Loan Officer compensation plan for 2018, I am due 100 % commissions for any loans closed within 30 days, for which I had 2. That equates to roughly {$10000.00} ( pre-tax ) owed to me before any deductions. I was due payroll payment today-XX/XX/2018, but did not receive anything. No information was provided either on the lack of payment. I did also notify the Labor Boards for both California and NH ( the state I work and reside in ) of this wage payment failure. 40+ other LO 's are also in the same horrible situation due to LendUS 's disregard to pay separated employees. 
( please remove the following if you post this ... ) Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've recently checked my credit report from Experian and XXXX and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXXXXXX XXXX fraudulent account was disputed and deleted in XXXX of 2023 ( please see the attached XXXX dispute results ). However, Experian and XXXX credit reporting agencies reinserted the fraudulent account after a month without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has placed a fraud alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.
Product: Checking or savings account

I bank with Chime and have been for 4 years now. Never had an issue with them until this happened. XXXX XXXX I filed a dispute for returned merchandise. XXXX XXXX I received an email from chime stating that my dispute was approved and the amount of {$850.00} would be posted to my account. Well it was never posted to my account. I called chime on the XXXX and they said that the issue would have to be escalated to the investigation department. Its been almost 10 days and Ive yet to receive an update or my money. Ive called everyday since the XXXX and they keep giving me the same story well have to escalate it again and itll be 24-48 hrs.
Product: Student loan

I tried several times to enroll in the public service loan program. I was told by several representatives I needed to be in a certain program. I changed programs and completed the paperwork. I called several times and was told my months are accruing and I will get a report at the end of year. This did not happen. When I was up for renewal, they told me I had to consolidate my loans. I did this in XXXX and filled the paperwork out again. I renewed yearly and was told in XXXX, I only had 13 qualified payments. I have worked with the government since XXXX. I just would like to get the seven year credit of payments and the current year totaling 8. I have not received all allowed payments toward my PSLF because every time there was a problem with my paperwork. Nothing has changed with the Department of Defense as far as I know. My jobs change internally but this should not make that big of a difference. I know my time is longer but I will accept 8 total years, this is madness. I have scanned the copies I have but the other copies were done electronically. Most of my paperwork is in storage due to us XXXX back to the mainland. Fedloan did acknowledge receiving all of the PSLF applications and employee verification. I have read many individuals are having this problem and they are being sued for not being transparent. I have sat on the phone for many hours trying to resolve this yearly. They say the calls are recorded, this would be great to get to see where they are misleading people. Please help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I tried to sell my gas range on XXXX marketplace. The buyer said she transferred {$250.00} via XXXX from her account to mine. I never received that amount and instead received an email saying that buyer is using her business account for XXXX and she will have to upgrade her account by sending {$200.00} more because there is a limit. 
I then got an email as if it came from XXXX saying that {$450.00} is on hold and I have to credit back {$200.00} to the sender. I initiated a {$200.00} XXXX credit which got processed and I never received {$450.00}. Later bank of America ( my bank ) told me that it was a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Capital One credit card. So Capital One Inquiry on XX/XX/2020 is not resulting from my personal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was received. A W-9 IRS form was requested nd also a 1099A for acquisition. The request was denied when it is the law to fulfill the request. 1099A was submitted along with 1099C for cancelation. The creditor still ignores the fact the acquisition took place and the account is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Equifax & XXXX regarding fraudulent accounts being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX XXXX showing up twice on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a debt which is n't in my name and it is now adversely affecting m y credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I may have a fair and equal opportunity to purchase my first home, you 're my only hope ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing on my credit report. I provided a police report. This is fraudulent and wasn't authorize by me.
Product: Credit card

On XXXX XXXX, 2024 I started receiving message about unauthorized charges. I checked my bank app and there were multiple charges from retail stores {$4200.00}, {$1200.00}, {$3400.00} I called my bank IMMEDIATELY!!! At first they were understanding sent a new card and credited it back. Today, almost a month later to my surprise I noticed the charges were back to my card. I was devestated and called my bank again!!! They told me that the case was closed and it was found not fraud Im so confused and I asked them why? Why are they holding me responsible? They just replied, We investigated and closed it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account is not on my other credit Report accounts. Please remove from my Equifax credit report and TransUnion credit report. 
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XX/XX/XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C XX/XX/XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), XX/XX/XXXX( a ) ( XX/XX/XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XX/XX/XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, SINCE THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX DO NOT EXIST TO VERIFY THIS, SINCE THESE CRITICAL PIECES OF INFORMATION CAN NOT BE PROVIDED, THEN PLEASE DELETE FROM MY CREDIT REPORT.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING LLC