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

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$250.00}
Product: Student loan

I am currently in a Income Based Repayment Program. I decided to re-enroll in school, so I signed in to check out my account and I discovered that I was charged a total of {$8.00}, XXXX in capitalized interest. So I contacted Navient and inquired about the fees, I was informed that during my re-certification for the 2015 term, my application was turned in late. I informed the customer service representative that I never received a notification stating my application was late and I was never informed by Navient that I would be charged {$8600.00} in capitalized interest. So, I asked the customer service representative to show me the documentation stating that Navient reached out to me about my re-certification being late. I was informed that she was not able to go that far back in the records and I should log onto my student loan account. I was not able to access the information and I informed the customer service representative and she told me that I was informed and I should be aware of the fees when I applied for financial aid. I explained to her that I was not aware and I did not receive notification from Navient. I am not pleased with this situation because I was not aware and if I did not log into my account, I would have never known I was charged those outrageous interest fee. Navient has not did a great job of keeping me informed about my account or my loan and I am very disappointed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Improper Verification of Disputed Information Under FCRA 15 U.S.C. 1681i I am filing this complaint because TransUnion failed to properly verify information on my credit report. I previously disputed the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureau returned the items as verified, but no actual proof of verification was provided. UnderFCRA 15 U.S.C. 1681i, credit bureaus are required to conduct areasonable investigationand either verify the accuracy of the information or delete it. 

Specifically, I request that you provide the following information : Proof that you are legally authorized to collect this debt ( for example, a copy of the signed contract or agreement related to this debt ). 
The original amount of the debt at the time it was incurred. 
The name and address of the creditor to whom the debt is owed, and any other relevant parties involved. 
A breakdown of any fees, interest, or other charges that have been added to the debt since its inception. 
Any documentation proving that this debt is valid, including a detailed account history and payment records, if applicable. 
Please note that, under the FDCPA, you are required to validate this debt before continuing any collection activities or reporting this information to the credit bureaus. I request that you provide the relevant documentation within 30 days of receiving this letter. 

If you are unable to validate the debt as requested, please remove the information from my credit report and cease any collection activities related to this debt. Additionally, if this debt can not be validated, I expect you to notify all credit reporting agencies to which you have reported this debt to correct or remove the information. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau 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 reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX THESE INQUIRE IS NOT MINE! 
SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

( Make sure you put the Account Name and Account # ) has violated my rights. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

This company obtained all my financial banking information including access to my bank account number, banking transactions and my debit card all before approving loan. 

They are refusing to remove my personal information from their system although I did not obtain any loan from them.
Product: Credit card or prepaid card

Chase card services sent a letter dated XXXX informing me that they are closing my credit card account " because of unexpected activity on this or another Chase account '' No one at Chase can tell me any details pertaining to this activity nor was I given a chance to document, prove or otherwise respond to the security concerns. As a small business owner, I am reliant on my credit card to auto pay my vendors and while I have other cards, the need to set up new auto pays with over 40 recipients is a huge time sink and incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have an enclosed copy of the FTC affidavit. Please remove the items as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

To who it may concern, please remove used this address and it is causing confusion and potential harm to my credit profile. 
Please remove this incorrect address from my credit report at your earliest convenience. appreciate your prompt attention to this matter. Please confirm in writing that this incorrect address has been removed from my credit report. If you need any additional information or documentation, please contact me at the phone number or email address provided above. 
Thank you for your cooperation.
Product: Checking or savings account

I attempted to close my saving account with Wells Fargo Bank and they said that they could transfer the fund to my checking but that they may or may not charge a maintenance fee while the transfer is pending and advised that the only way to ensure that they wouldn't overdraft the account ( that I'm trying to close ) would be to add more funds. Which is ridiculous. I asked if I could go to a branch to withdraw the funds to close the account and their customer service advised that they could not guarantee that the branch would close the account. I requested that maybe a supervisor come on the line and the customer service agent hung up on me. I attempted to call back and I was unable to get through to another customer service agent.
Product: Checking or savings account

XXXX Overdraft fees from Navy federal being charged to account
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), a charge-off should be reported once, reflecting the date it was charged off, and should not continue to appear as if a new charge-off is happening monthly.

Navy Federal continues to report the account as charged off each month. Instead, the charge-off should be noted as a single event, and subsequent reporting should reflect the status of the account, such as unpaid, settled, or in collections.

Multiple charge-off entries for the same debt should not appear on a monthly basis.

The debt should appear only once, with subsequent updates reflecting status changes. Navy federal is reporting charge off every single month and reaging negatives. They are reporting inaccurately as new charge offs every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various accounts on my report are fraudulent. These accounts listed were not opened by me. 
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. In accordance with 15 USC 1681c-2 c ( a ), I request that you delete and block all accounts and relevant information associated with my name and personal identifiers from your records. 
and Equifax is reporting the following account by error.i attached proof of the data breach i was affected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Mortgage

We was approved for a mortgage for XXXX the house we was looking at was XXXX at first Was told we live too far from the property now theyre saying that we dont make enough money for the loan and the loan is too big for what we ask her for but we was approved for XXXX and the loan is XXXX we were short application fees appraisals
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting an open collection account when they do not own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my federally protected rights. 

15 USC 1681 Section 604 A states- I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 also states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) ( i ) - Reporting containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance : {$720.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$240.00} XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$150.00} XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX  XXXX  : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone to XXXX, used credit karma, XXXX, called my bank where I got my credit card, and everywhere they have sent me to no avail. I can not seem to be able to get a report since every time they say I use incorrect information, even though it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with USAauto I was paying on time. I filed XXXX  BUT DID NOT invluse the vehicle. After filing I continued making my payments. The car was totaled in 2021 and paid off by the insurance company. USAauto reported the car was XXXX via XXXX and this not correct. I disputed this on my credit report and it still remains there
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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
Product: Credit card or prepaid card

On myXX/XX/2019 Bank of America credit card bill, my balance was {$7700.00}. The balance was due onXX/XX/19. On XX/XX/19 I made an online payment of {$7700.00} by requesting the payment be done via an ACH from my XXXX checking account. OnXX/XX/19, another payment for the same amount was deducted from my XXXX checking account. It is odd that the payment was deducted onXX/XX/19 which was Monday after the due date XX/XX/19 ( Sunday ). While it is possible i requested the payment, I do not remember going online to set up this payment. In addition, I had been paying minimum payments up to this point and I did not change anything regarding automatic payments. When I realized 2 payments for the same amount had been made, I called Bank of America onXX/XX/19. The customer service rep said she would reverse the 2nd payment. I called again onXX/XX/19 to find out when the payment would be reversed and was told there was not a request to reverse the payment. I went thru the process again of requesting the refund of the 2nd payment. I was told it would take up to 10 business days to research. When I called again aroundXX/XX/19, I was informed my request had been denied and I would get a letter explaining the reason. The letter, datedXX/XX/19 said they were unable to return the {$7700.00} payment because the original payment I was requesting was made more than one monthly billing statement ago. In addition, they considered the inquiry resolved and the balance is owed in accordance with the Account Agreement.I called again to discuss this and understand what they meant. The rep said the request for the refund of a duplicate payment had to be made during the next billing cycle, after the payment posted, or between XX/XX/XXXX and XX/XX/2019. Even though I called onXX/XX/19, there was no record of me calling them ( this seems very convenient ). They have a record of me calling on XX/XX/19but they claimed it was too late ( as it did not fall within the 30 days after the end of my billing cycle ). I had looked at the online agreement which stated I had 60 days after they sent the statement on which to report a problem or error. The representative said that did not apply. I was sent the relevant agreement to my account. Again, it states i must contact them about a mistake, in writing, within 60 days after the error appeared on the statement. Nowhere does it state that any issue or refund request must be requested within 30 days following the end of the billing cycle ) In the interim, I needed the money and the only way to get it was to pay a 3 % fee. They were willing to refund the funds if i paid them {$220.00}. So, I requested {$7500.00} be direct deposited to my checking account and was charged a {$220.00} fee onXX/XX/19.