23daVinci/CFPB_Complaints huggingface dataset:
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 a 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 these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX TO XXXX YEARS AGO SOMEONE FALSEFIIED MY NAME AND INFORMATION TO RECIEVE SERVICES FROM A SECURITY COMPANY. WHEN I WAS FINALLY MADE AWARE OF THIS, I EXPRESSED TO THE COMPANY THAT IT WAS NOT ME AND IF THEY LOOKED AT THE SPELLING OF MY NAME, THEY WOULD SEE THAT THE SPELLING WAS INACURATE. I ASKED THEM TO SEND ME A COPY OF THE BILL, ON ARRIVING I SEEN THAT THE NAME WAS SPELLED ANOTHER WAY. FAST FORWARD A FEW YEARS LATER A THIRD PARTY DBT COLLECTION COMPANY HAS PURCHASED THE DEBT AND IS NOW WANTING PAYMENT. WHICH I EXPRESSED TO THEM ALSO THIS WASNT ME. THEY SAID THEY DIDNT CARE THAT THE NAMES DIDNT MATCH AS LONG AS THE DOB/SSN MATCHED. I REQUESTED A COPY OF THE ORIGINAL BILL FROM THE ORIGINAL CREDITOR VIVIT TO SHOW PROOF THAT THE NAMES DONT MATCH. TO WHICH I WAS TOLD IT DONT MATTER IF THE NAME AND SIGNITURE ARE MISPELLED WRONG.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious concern regarding your failure to maintain fair and accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ) 602. Despite my repeated efforts over the past several months to have disputed items removed from my credit report, you have persistently affirmed their accuracy without providing any evidence of the verification methods used. This lack of transparency and adherence to FCRA guidelines is deeply frustrating.
Product: Debt collection

On XXXX XXXX it was brought to my attention by a family member that I should check my email for a collection notice. XXXX XXXX from Smith, Cohen Rosenberg LLC sent an email stating the following : Balance : {$1500.00} File # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, The above-named creditor has assigned to us your account for immediate collection of the balance in full. 

Please contact this office immediately so that arrangements may be made and any further action, including credit reporting of this debt may be stopped, or send a certified check or money to the address listed below. 

Unless this account or any portion thereof is disputed within 30 days from receipt of this notice, we will assume this debt to be valid. If you dispute this debt or any portion thereof within this 30 day time period we will furnish at your written request, a verification of this debt, or the name and address of the original creditor. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

I informed her that I would look into the matter since I was unaware of the referenced outstanding debt. After looking into the matter I discovered that I had indeed made payment for services rendered, in the form of a check. I notified XXXX of this via email and she responded with the following : Hi XXXX, Please see attached invoice. You did authorize the service on XX/XX/20. Your check # XXXX for {$1200.00} bounced. 

I do realize you and XXXX are not together any more but our client XXXX XXXX still deserves to be paid. 

We take MC or Visa debit. 

Please advise how you want to pay this. 

I then went back to look into my bank statements for any NSF submissions. There were no checks, including # XXXX ever submitted and returned NSF. Additionally, check # XXXX was actually never presented for payment according to my bank history. I informed XXXX of this fact and she subsequently responded with the following : XXXX, According to our client, you had promised them to send ck # XXXX for {$1200.00} but you never did. 

The balance is valid and owed by you and XXXX XXXX. 

We take ACH, MC or Visa debit. 

How would you like to pay? 

I have informed XXXX that the debt did not belong to XXXX XXXX as I had requested the service for a home that I was the sole owner of. I also informed her that the payment was made in the form of a check that I directly handed to the service tech upon completion of the work. 

I have asked that she stop contacting me because I have provided payment in an acceptable form to the company and it is not my problem that they failed to present the check for payment.
Product: Credit reporting or other personal consumer reports

Equifax refuses to do a thorough investigation into my XXXX XXXX account and the XXXX account. They have not completed a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, XXXX, and Experian. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to Experian asking them to remove Several addresses from my report because I only have one address.

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections!

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.
Product: Credit reporting or other personal consumer reports

XXXX Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, 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 XXXXXX/XX/XXXX
Product: Debt collection

EOSCCA claims on my credit report that I opened my account Opened XX/XX/XXXX ( 2 yrs, 5 mos ) account has continuously been re aged to stay on my credit report. the account was opened XX/XX/XXXX company kept claiming my bills weren't being paid so I went to a new wireless provider a couple months later. I had my final straw when the company and made two large payments at the XXXX XXXX  location with the manager who claimed {$180.00} payment from my card would pay off the phone so that I could close out the account. I was asked to register for a new account online which did not reflect the amount I made at the XXXX XXXX  store because I used a different email address then the one they assigned to my phone automatically. The stores were independently own so records were never accurate. which forced me to close the account because I was constantly receiving notifications I had not made payments and each month the charges were in excess of XXXX for a phone that had a {$50.00} phone plane. I've made several attempts to ask the account to be accurately aged. I provided them receipt numbers for the receipts I do have still in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the original creditor but I'm not recieving any responses. The company is in negligence for not responding and is in violation
Product: Debt collection

I had mailed them a letter datedXX/XX/XXXXrequesting that they discontinue calling me. I had received an acknowledgement letter to my request dated XX/XX/XXXX. I did receive another phone call from them on XX/XX/XXXX at XXXX XXXX in which they did not leave a message. Then I have received another phone call with a voice mail from supervisor named XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX wanting to follow up on my letter asking them not to call me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made online disputes with all 3credit bureaus they always come back with it and not remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this XXXX XXXX account in XX/XX/XXXX. I notified XXXX XXXX that not only had the 7yr timeframe pass but the balance was incorrect and reporting twice on my report. I sent out 2 separate letters attached with documents to show the reporting was incorrect and affecting my score because the account reports negatively. The letters were sent out in XXXX and XXXX of XXXX. Equifax in turn updated the account on XX/XX/XXXX as a bad debt and my score dropped XXXX points. Equifax changing the status of the account made it appear as if the account was newly reported.
Product: Vehicle loan or lease

OnXX/XX/XXXXMy XXXX XXXXXXXX XXXX was totaled in an accident that was the other drivers fault, my insurance company XXXX paid the value of my vehicle leaving portion remaining to my Gap Insurance Purchased at the time I financed my car from XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Nevada. Finance With Credit Acceptance. I have sent all documentation requested by Credit Acceptance Finance and they have yet to settle the claim. I purchased the Gap Insurance and when asked to discuss this insurance i am transferred to a representative that does not even have an insurance license to discuss the matter of the policy. Credit Acceptance continues to report a late payment on a totaled vehicle they will not cover, or charge off purposely causing harm, as their bogus GAP insurance does.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed Complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Verified as Reported, '' fails to adequately address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, TransUnion reports a XXXX late payment for XX/XX/XXXX, while Equifax reports a 30-day late payment for XXXX XXXX inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.
Product: Credit reporting or other personal consumer reports

Over the past year I have been trying to get an accurate credit file. I had no response from Experian other than " verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. Experian has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Experian is guilty of racketeering, mail fraud and violating the RICO Act of 1970.

UCC 1-308 Without Recourse
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The following accounts are inaccurate 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

TransUnion is reporting different information and the credit scores are extremely different. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, XXXX is reporting my actual monthly payment that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it. 

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've written numerous letters to Experian regarding negative and inaccurate information reporting on my credit since XXXX of 2021. I have yet to receive a response as they have continued to ignore my request to investigate and remove this hazardous information from my credit profile.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violates the consumer Financial Protection Act. ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on they platform. Leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process is unfair and deceptive. As they did not comply with error resolution requirements Under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions has significant inconveniences and Huge financial Loss and I seek appropriate redress for these Violations.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fradulent credit card opened in my name back in XX/XX/XXXX. I saw this when I pulled credit report. I immediately reached out to XXXX XXXX cc and asked them to close the account. I contacted all three bureau and supplied them with fraud affidavit, law enforcement report, proof of identity and letter of explanation. XXXX and XXXX responded emediatly and blocked the information. 
Equifax, has been a completely different situation. I faxed them all the supporting documents for this claim ( same ones I sent to other bureus ). I have had zero effort put into this from Equifax. The first one submitted was returned as no account found. The second time submitted, They targeted my auto loan through XXXX XXXX auto services and this time, they have lost documents and or say, they didn't get them. I have refaxed them several times. 
On XX/XX/XXXX I faxed all documents and did a fallow up call two days later to make sure they received them. I was told I needed to resend them with correct account number on law identity theft report. I was told, once I got that to them It would be removed / blocked. 
I immediately redid my report and double checked account number to make sure it was correct one and sent information again. I was even told by Hand ( agent with speciality department ) that they were waiting for that and to make sure I noted on the cover page, account number for fraudulent card, name, phone number and note that this was a additional peice of documentation for block. I did all that and fallowed up a couple days later on XX/XX/XXXX to make sure they received them. I once again was assured that this item was being blocked but just had to wait the 4 - 7 days to be processed. 
I pulled my report on XX/XX/XXXX and seen it was still there!! So I called Equifax back and was told numerous things - it was blocked - to was being investigated ( even though it was varified as fraud by Equifax ) and had been investigated already. 
- I called back later that day and was told they didn't have updated affidavit with account number, even though I was told by previous 3 representatives, that they had it with AC number on it. 
- called back the next day after I researched my documents and fax receipts.I was then told they were going to block it but the proof of identity and affidavit were to dark and read able. 
Please help!!!!
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 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Inquires 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied acceptable terms for a mortgage refinance through XXXX XXXX. The reason given was there were numerous inquiries into my credit report 18 plus in the past 12 months. I don't know why the credit report dropped from XXXX to XXXX in a week.
Product: Checking or savings account

I was charged {$70.00} in fees but my account never showed overdraft. I have a screenshot of the money in the account. They used trickery accounting.