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

I, the, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. 
XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX. 
XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. You have 30 days to respond to this letter. Please do so.

This company failed to respond in 30 days. According to the FCRA, this is a violation. Please delete these accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : Experian XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  # XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. So on XX/XX/XXXX I pointed out that this account was showing as 120 days late in XX/XX/XXXX and XX/XX/XXXX which is inaccurate. After you completed that investigation you are still showing this inaccurate information. On XX/XX/XXXX I pointed out XXXX is showing different information for XXXX and XX/XX/XXXX than you are, and all credit reporting agencies should have the same information or it is deemed inaccurate according to the FCRA. I even attached Experians reporting of this account, and you still failed to fix it. If the other bureaus are showing different information than you are then the data furnisher must not be providing accurate data. Inconsistent data is grounds for deletion according to FCRA statutes. On XX/XX/XXXX I said that after XXXX investigations, the reporting for this account is even more wrong. It is showing 120 day late for 3 months in a row. Can you please tell me the payment amounts and payment dates for the payments I made to this account between XX/XX/XXXX and XX/XX/XXXX that you are using to justify this particular inaccuracy on my account? 
Now, after XXXX requests to fix this account, it is still inaccurate. According to the FCRA accounts need to either be accurate or deleted. I am demanding you either fix this account or delete it. If you don't delete it, I want to see the payment amounts you show being made between XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a discrepancy regarding my real estate loan with XXXX Mortgage. According to my credit report, there is a missed payment erroneously recorded in XX/XX/year>. I wish to bring to your attention that this discrepancy was addressed during the COVID-19 pandemic grievance period, during which I received written assurance that the credit report error would be promptly rectified. 

Despite assurances, as of today, the erroneous late payment remains unremedied. Consequently, I am seeking an immediate resolution to this matter. Specifically, I request the immediate removal of the late payment from my credit report and the correction of this error with all XXXX major credit reporting agencies. 

Your prompt attention to this matter is greatly appreciated, and I trust that this issue will be resolved expeditiously.
Product: Debt collection

I had {$3000.00} worth of fradulent charges made to a business credit card with Truist in XX/XX/scrub> 2022. I immediately filed a fraud claim with Truist and they began investigating. after months of investigation they sent a " fraud Package '' that was never received and because that wasnt returned in a specific time frame they sent the balance to charge off department. 

They are now telling me there is no way to reopen the claim or manually create a new one and that I either pay the balance in full or continue to have my credit ruined.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding all overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the most 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: Checking or savings account

I was attempting to move money out of my capital one account to my account with XXXX XXXX XXXX ( XXXX ). I was trying to move {$1.00} m in order to secure a better interest rate and benefit from a preferred savings rate. On XX/XX/XXXX when I initiated the transfer the website informed me that I could only move an amount less than $ XXXX. I then initiated a transfer in the amount of $ XXXX. I was informed that this transfer had been accepted. Shortly afterwards I initiated a further transfer in the amount of $ XXXX. Subsequently I received an email from Capital One saying that my transfer did not go through. When I contacted customer care they informed me that my transfer limit in any 30 day period was $ XXXX. There is no information to this effect when I made the initial deposit into Capital One. I subsequently made a new transfer of $ XXXX which did not go through and I received an email from Capital One stating that my account had been frozen due to 'unusual activity '. My husband and I then contacted Customer Care and spoke with XXXX Employee number XXXX, who informed me that she would need to create a three way call with XXXX in order to verify the ownership of my account. We offered to have our account manager call XXXX but she stated it was company policy that she make the call and XXXX join. We gave XXXX the number, made the call but it seems to be also the policy in XXXX that any call must be initiated from their side. When this option failed, we asked XXXX how we could verify our account and unfreeze the funds. We offered to scan and email a copy of our XXXX bank statement but she said they could not accept this, they only dealt on the phone. We then offered to bring a physical copy into a bank branch. She said this would work. Unfortunately, I have discovered that Capital One have no branches on the XXXX XXXX and I would need to take a plane to the XXXX XXXX in order to satisfy this request. I am extremely worried as there appears to be no way for me to verify my account, my funds are frozen in a bank with minimum FDIC cover and I am losing substantial amounts of potential interest on a daily basis. I am also worried as the later transfer request for XXXX was accepted even though the earlier request for a transfer of XXXX was 'flagged ' as unusual. It seems to me that Capital One 's response has less to do with the protection of my account and more to do with maintaining their balances. 
In summary - Capital One have provided no solution to my problem and my accounts are frozen because they have neither the interest or the method to allow me to unfreeze my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed  XXXX  inaccurate 30 day late payments on my credit report directly to Equifax. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX   to Equifax including : record of my payment due date (  XXXX  each month min payment {$560.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by Equifax giving a response. The file should be updated noting no late pays and payments made accordingly. No rely or actin was made in over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the CFPB previously about the inquiry about the financial insitution previously stated in my claim ID # XXXX. I spoke with an institution that did not state who their name was when I spoke with them on the phone, believing from their letter to be from the VA. We provided them with information not realizing they were from another financial institution and never gave verbal or written authorization to run my or my husband 's credit. I would not have authorized the credit reporting had the person I spoke with asked or stated that was a step they were going to take. The FDIC closed my case # XXXX and when i spoke with them on the phone with them about it, they said to contact you guys again about it.
Product: Mortgage

XX/XX/XXXX I Spoke with XXXX XXXX re PMI payments were not removed. I have had this mortgage for 14 years, modified XX/XX/XXXX to 4.125 rate FHA 30 year fixed. 
XXXX Claimed pmi was removed XX/XX/XXXX but this was a false statement, she continued to place me on hold and and agreed my payment was NOT decreased, pmt decreased due to tax and ins not pmi.XXXX informed me that they will RESEARCH and call me within a week, that following Mon as I told her if I dont hear back I will report it. NEVER heard from WF since! Never followed up ... of curse! IGNORED AGAIN.Its in my phone records if you need a copy. 
PER FDIC HPA law Lender must inform me that can cancel when I have 20 % equity or auto cancel. WF NEVER sent out any notices re PMI at all! NEVER, They have no right. My mortgage payment increased again this year. See mortgage statement attached.They also closed my checking so I wouldnt have access to my act/ this info ; however I made screen shots that day! They have refused to allow me to review my account online. OVER 4 years have gone by paying my mortgage on time every single month and still paying PMI and I have paid OVER 20 % equity and pmt increased. -statement clearly shows XX/XX/XXXX thru XX/XX/XXXX payments stayed the same {$920.00} now pmts are XXXX, do I not have any rights and WF can do whatever they want? I cant trust this bank as they continue to lie
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Capital One bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
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 their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict XXXX XXXX XXXX XXXX impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX Owed : {$150.00} ; XXXX FI XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX account from my credit report for inaccuracy. the date last active shows XX/XX/XXXX on XXXX XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX!
Product: Money transfer, virtual currency, or money service

Its about XXXX. 
Date XXXX Sold my BTC like every other time to Coinbase ( it sould arrive on the XXXX ). That time it did not charge any fees but also is now listed as : Sent BTC to Coinbase ... and not ( like every other day ) Sold BTC using EUR wallet. ( screenshot 1 ) already filed a support ticket ( more than 1 ), been rly patiently and explained everything in detail. But every time I get a respond from a bot or something else .. they did not read my request and told something complete different to what i had send to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint via CFPB towards Equifax in regard to multiple unauthorized inquiries that were showing on my credit report due to fraud/identity theft. See complaint # XXXX. 

Overall, Equifax agreed to delete the fraudulent inquiries and gave their resolution to you that this will be deleted. However, they did not follow through and missed deleting one of the inquiries they said they would delete. 

As of XX/XX/XXXX, the fraudulent inquiry made on XX/XX/XXXX for company " XXXX XXXX '' also known as " XXXX XXXX XXXX '', still remains on my credit report, when it needed to be deleted. 

Equifax was not thorough and somehow missed this one.
Product: Credit card

I receive mail today XXXX via USPS mail, that BMO closed my account XXXX bit mail me letter XXXX. I called BMO XXXX told Bank has right to close anyone 's account without reason and notice. Now I still has {$3.00} reward points left at that bank but unable to redeem. I just recently redeemed {$15.00} statement credit last month. Now BMO reward department say they has no way to redeem that {$3.00} for me, minimum is {$15.00}. I feel BMO close my account because I only use this card for XXXX XXXX monthly payment and earn 5 % reward points from them. They try to keep my reward point when I has no warning or know in advance to increase my reward before redeem. I think that's not fair at all. {$3.00} is not much, but if this happen to more than XXXX or XXXX consumers, that's a hugh amount. Please take that serious and investigate. I got reward department told me this is customer service need handle, customer service told me reward department need handle. As consumber I just get ping ponged since this morning XXXX till now XXXX without anyone will assist and solve.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts were opened in my name and with my personal information without my consent or knowledge on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. When I found this out in the month of XXXX of XXXX or XXXX ( I believe it was the year XXXX ) I called all three credit agents and provided them crucial evidence that validated my statement that fraudulent activity was happening to me. The evidence that I provided was government documentation stating that I had been incarcerated at the XXXX XXXX jail during those dates due to a XXXX XXXX and that the fraudulent activities that transpired were not me.Not only do I not have access to a phone or computer to make such transactions reported by the three respective credit bureaus, it is physically impossible. After reporting this to the agents at the credit bureaus, absolutely nothing was done nor investigions were made. I know that according to the Fair Credit Reporting Act, under several sections mentioned but mostly The Administrative enforcement ( 621 ), comliance with the requirements composed under this title shall be enforced by the Federal Trade Commision Act with respect to consumer reporting agencies. A violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act in commerce in violation of section ( 5 )... If you proceed to read you will find that grave mistakes have been made regarding my filed claims of fraud to all three credit bureuas. And nothing was done when I submitted proof of my inability to make transactions. I want immediate attention to this and the remaining pending cases and according to the FAir Credit Reporting Act, I am entitled to financial compensation given I have spent almost two years paying an outside company to get these items removed from my credit.
Product: Debt collection

I'm a current XXXX customer. I was living in XXXX and using their service. I then moved to XXXX  and remained a XXXX   customer. However, in the process I was told I would have to open a new account but my login information would be exactly the same as it was before, it would just be a new account number. I continued to pay my bills on time on the new account with no issue. Apparently there was an amount due on the old account but I had no knowledge or communication from XXXX  that there was money owed on the old account ( because I could not log into that account anymore since my login directed me to the new one ). I was never told there was an issue with my account ( no written letter, phone calls, emails etc. ) until it went to collection. I paid the collection but now I have a derogatory mark on my credit report that is affecting my ability to receive credit. I have told XXXX this issue and they do not want to help me. The collection agency was Diversified Consultants Inc. who have a relationship with XXXX.
Product: Debt collection

XXXX Medical bill that probably has over 10 years for the amount of {$190.00} Something that was already debate. XXXX keep posting this in my record having my credit score between XXXX to XXXX point lees that the other credit company. XXXX may be want to make money having me contact them an pay for services. I really appreciate your help on this matter.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/2018 I stopped at a Chase bank atm on XXXX XXXX XXXX XXXX XXXX fl XXXX ; to make a deposit of XXXX for rent. The machine took my money and gave me an error. i ran inside bank to file a complaint. I was told it would take only 12 hours, later that it would take 2 hours instead of the full 12. I called again that night to find out the status and was told 10 days. I have rent due and cant make any payments now. The specialist on the phone are not helping whatsoever. I feel like this should not be a burden on me if this is the fault of an error with one their machines/ equipment. I'm very devastated and can't believe this bank is treating me like this. I make about the same deposit for rent every month.
Product: Credit reporting

For the past 12 months I 've been advised by the Equifax credit reporting agency that my file is too large and currently is being reporting in XXXX different reports. The agency has falsely reported to me that the situation was being reviewed and/or resolved with negative results to date .... I last spoke with a Equifax supervisor yesterday afternoon who provided me a confirmation number of # XXXX. 

This issue is adversely impacting my credit score and violating my rights under the Fair Credit Reporting Act based on this information being inaccurately reported to potential creditors for the past 12 months. 

During the past 12 months this problem has caused my file to be misrepresented in terms of the true credit score and history because the majority of my good standing accounts are n't being captured in the credit reporting process with Equifax.