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

I discovered that some of the information 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 information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

This is not a LOAN or CREDIT DEBT but a CLAIM by a disgruntled vendor And does not since it does not include all XXXX data points in the documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I Checked my report and noticed Barclays account still reporting. I paid this balance and negotiated a deletion which was agreed upon. However years later, this account is still reporting negatively. I dont appreciate being lied to because this is grounds for a law suit
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXX XXXX has been reporting to all 3 bureaus, Equifax, XXXX and XXXX, that my account has been past due, with missed payments for over 2 years. XXXX is also reporting differently through each bureau. This is an error is XXXX  system, as my payment history will show that I have been faithfully making my car payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened:XXXX Balance : XXXX XXXX-Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Date XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX .Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Closed Late Date XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I requested a validation and accuracies of the items appearing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today   XXXX   XXXX  I spoke with a Transunion Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him Transunion had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but Transunion has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.
Product: Student loan

I am filing a formal complaint regarding the unauthorized access and potential breach of my student loan information, which I believe violates consumer financial protection laws and federal privacy regulations. 

Recent reports indicate that the Department of Government Efficiency ( DOGE ), under XXXX XXXX, was granted access to the U.S. Department of Educations student loan systems. This raises serious concerns about violations of the Higher Education Act ( 20 U.S.C. 1092b ) and FERPA ( Family Educational Rights and Privacy Act, 20 U.S.C. 1232g ), which protect student loan borrowers ' personally identifiable information ( PII ). 

As a federal student loan borrower, I did not consent to my loan records being accessed by unauthorized individuals. If DOGE or any associated third parties obtained my loan balances, repayment history, servicer details, or other financial data, this would be a clear violation of my consumer rights and federal data privacy protections. 

Due to this egregious violation of my rights and privacy, I am formally notifying you that I will no longer be making payments toward this loan until this matter is fully investigated and corrective action is taken. I refuse to pay for a loan that has been compromised by unauthorized access, negligence, or potential misuse of my personal financial data. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) : Investigate whether my personal student loan data was improperly accessed by DOGE or any unauthorized party. 
Hold the Department of Education accountable for any unlawful disclosure of borrower information. 
Take appropriate action to prevent unauthorized access to student loan records in the future. 
Ensure affected borrowers are notified if their data was compromised. 
Address the legitimacy of any further collection efforts on loans that have been subject to data breaches. 
The protection of student loan borrower data is critical, and I urge the CFPB to take immediate action to safeguard our personal financial information. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and inform me of any next step
Product: Credit reporting or other personal consumer reports

There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please help.
Product: Credit reporting

My credit report shows an item that was previously removed and then re-inserted. The FCRA states that the bureau must send a letter to the consumer within 5 days of a re-insertion, they have not. 

On XX/XX/XXXX I requested validation from XXXX via certified mail tracking # XXXX sent to the address that they reported on my credit at XXXX, IL XXXX. The letter was returned as undeliverable, they were using an invalid, bogus address making it impossible to get a response to my validation request. As such I disputed the item with the credit bureaus on XX/XX/XXXX and sent them proof of the " undelivered mail ''. The item was removed but later reinserted. 

XXXX # XXXX was no longer reporting on my credit report on XX/XX/XXXX under report # XXXX and it was reinserted on my credit on XX/XX/XXXX. 

I notified Experian via certified mail of the reinsertion on XX/XX/XXXX, see attached copy of my letter. 

They have clearly failed to follow the procedures as outlined by the FCRA. Furthermore, this item continues to report on my file for months now when it was removed nearly 12 months ago. This is very damaging to my credit. 

I 've been writing letters to both XXXX collection and to the XXXX credit reporting agencies. Furthermore, I also sent a letter to the " Registered Agent '' of XXXX to XXXX to a different address as listed on the corporate records. He was in receipt of my letter on XX/XX/XXXX, to date I 've received no response from him and it 's been over 6 months. 

It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

A normal consumer does n't have the means, time or energy to file a lawsuit against them, but according to the FCRA/FDCPA procedures they 've failed, there are multiple violations and should be sued. Please remove this listing from my file immediately.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint regarding inaccurate credit information that has been included in my credit profile. I am extremely distressed about the inclusion of the following information, as it has significantly damaged my good credit standing. As you are well aware, credit reporting laws mandate that credit bureaus report only accurate information. The inclusion of this erroneous information is a serious breach of these laws and must be rectified immediately.
Product: Debt collection

I received a collections letter from ERC that is collecting on behalf of XXXX XXXX. I was never in a contract with XXXX XXXX. I have not had their service for over 2 years and my account was paid in full when I had the service discontinued.
Product: Checking or savings account

My account was hacked on XX/XX/XXXX. I had XXXX charges withdrawn from my account. I am still waiting for the dispute to be taken care of for that one. In the meantime, my account was hacked again on XX/XX/XXXX. This time. Chime knew this scam was going on and didn't warn their customers. I had them withdrawal {$500.00} out of my account. I'm currently trying to have the dispute go through. They have denied it twice. I currently have the XXXX XXXX Police department even looking into this and asked them to wait until I got the police report. They did not and denied it saying due to lack of evidence even though they're not waiting for the evidence that I have and the fact they knew this scam was going on and didn't warn anybody.
Product: Debt collection

ERC collection agency removed a debt from XXXX XXXX XXXX and then reported it again as new. The 7 years would be this year and it would have automatically been removed. Now it started all over. XXXX XXXX XXXX said they didn't receive their equipment but I mailed it back and I was told by a customer service rep that this happens all the time.
Product: Debt collection

On XX/XX/year> I called to request that my debt be returned to XXXX XXXX. I wanted to know if that'd be possible. The line was directed to a XXXX XXXX I verified the TSI account number and proceeded to ask my question. I was then stopped by XXXX XXXX and was told that I needed to give him my full social security number to verify my identity. When I expressed that I was uncomfortable with giving my complete social security number ( When I personally have not entered into an agree with them and am uncomfortable with them have my personal information ), XXXX XXXX began yelling at me and using predator tactics such as elevating his voice, misleading the conversation and talking over me, in order to intimidate me. I know by law that I not required to verify my identity by giving my full social. I wish to not deal with a shady business, with predatory agents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I wrote two letters to Equifax asking them to investigate several items on my consumer report. My letter specifically noted that I was not requesting a freeze or fraud alert at this time but reserved the right to place a freeze or alert upon the completion of the investigation. 

XX/XX/2019 Equifax responded via letter that they have not only placed a fraud alert on my account, but that they have forwarded a request to place a fraud alert to theXXXX and XXXX. This caused a fraud alert to be placed on my XXXX   report as well. 

I have written to Equifax explaining their error and requesting the alert be lifted immediately. The negligent action of placing an alert on my consumer file despite my explicit requests has caused me to be denied a line of credit I would have otherwise been entited to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent Innovis, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting or other personal consumer reports

I contacted avant and explained I had fraud transactions on my account and there were purchases in Arizona and I live in Rhode Island... .they were/are not my charges ... .they did investigation and sent me a letter that these charges were found to be valid..I did not hear from avant with copies of my signature and the original receipts. I do not have access to enter stores in Arizona As I live in Rhode Island..
Product: Vehicle loan or lease

Navy Federal Credit Union refuses to apply additional payments made to principal only, and instead applies them as future loan payments made. When asked to reapply funds correctly, agents made false claims about principal reduction, but interest rates are never adjusted or updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ XXXX is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. I am requesting that they remove XXXX and XX/XX/2020 Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX 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: Debt collection

I received a bill from XXXX XXXX XXXX XXXX for medical procedures in the amount of {$240.00} I paid the debt on XX/XX/XXXX and have a credit statement to prove it. Apparently it had been sent to debt collectors : Transworld Systems INC prior to that. Since then I have received multiple correspondence from them trying to get me to pay the debt. 

I called XXXX XXXX XXXX to confirm my account was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX the billing department called and confirmed that my account was paid and that they would contact the debt collectors to tell them. 

On XX/XX/XXXX I received a debt collection notice for {$240.00} dated XX/XX/XXXX stating : " It has been our experience that much of the debt assigned for professional collection is resolved before it reaches this stage in the collection process. This matter, however, has not yet been resolved ''. 

I called XXXX XXXX and Transworld Systems INC to dispute the claim with no success yet. Again -- this debt is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is inaccurately reporting information regarding this debt including amount owed/date of last activity/ Date of First deliquency. Furthermore, this debt was discharged by the company and removed from one credit report but not XXXX or XXXX. It was also moved from the individual who opened the account credit report. I have disputed this a number of times but the company has not responded or tried to rectify. At one time they were duplicating this account on my credit report although the obligation for this debt has been released.
Product: Debt collection

XX/XX/2023, XX/XX/2023, XX/XX/2023. Under different #. Most recent # XXXX. Received a call everyday this week from an unknown # 's. Answered the call and the person requested for me to verify my information. When I asked what company was being represented the person stated she couldn't tell me that information. I told her I will not give my information to someone who can't tell me who they are trying to collect information for. She then stated you are refusing to cooperate so I will note that and hang up.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX # XXXX XXXX XXXX. Husband of XXXX XXXX. 


On XX/XX/2020, my wife XXXX XXXX has rupture XXXX went into hospital she in hospital until now. She have her US Bank debit card in wallet, her childrens stole her debit card and transfer all XXXX money to there account. I did filed a report to XXXX Police Department, and I ask my wife does not giver permission to anybody to use it. 

USbank. Customer ID XXXX File with XXXX XXXX XXXX # XXXX Police report and case # XXXX. XXXX name : XXXX XXXX # XXXX XXXX Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX. XXXX XXXX ). XXXX XXXX XXXX XXXX the one help my wife to file unemployment insurance benefit and setup US bank card fro XXXX. XXXX daughter Inlaw all the access to her identity. I have US Bank card statement that the transfer to there account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON TRANSUNION. THIS ACCOUNT DELETED OFF TRANSUNION, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Product: Payday loan, title loan, or personal loan

Today XXXX once again I would like to ask this company to stop targeting me, I do not want to be contacted by this harassing junk mail. On XXXX XXXX I stablished a complaint against Bankers Healthcare Group XXXX OFFICE. XXXX XXXX XXXX XXXX. XXXX, FL XXXX. T : XXXX. F : XXXX This company refuses to acknowledge my request or to respond my complaint. At florida department of agriculture case # XXXX This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the three credit bureaus and XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the DMA. 
Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. 
I had never requested, and I will never ask for this junk unsolicited mail to have my personal information in it. 
Please see the attached evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant access my equifax report. Contact them but nothing resolved. I think someone has been using my identity
Product: Money transfer, virtual currency, or money service

IT IS IMPOSSIBLE TO GET IN TOUCH WITH DIRECT EXPRESS. I CALLED THE NUMBER FOR THE XXXX XXXX AND SOMEONE ASWERED THE PHONE BUT HUNG UP ON ME WHEN I TOLD THEM I DID NOT HAVE A TTY DEVICE. 
THIS SEEMS TO BE A FRAUD WHEN YOU STAY ON HOLD FOR 1 1/2 HOURS AND STILL NO ANSWER. 

HOW CAN I GET MY MONEY. I NEED IT NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$0.00}