23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had 2 credit cards with Navy Federal since XXXX. In XX/XX/XXXX, I was XXXX XXXX XXXX XXXX until XX/XX/XXXX. When I came home I found out that Navy Federal had sent me to collections for both credit cards I had with them. Before I was XXXX I had paid off both of the cards and had zero balance. Navy Federal sent me copies of my statements from XX/XX/XXXX to XX/XX/XXXX. 

There were charges on the account after XX/XX/XXXX. I informed Navy Federal and disputed those charges stating that I wasn't the one making those charges because I was XXXX which makes it impossible to make those charges. Some of those charges were to XXXX and XXXX. 

On XX/XX/XXXX I filed my dispute with Navy Federal, which they received certified mail with return receipt on XX/XX/XXXX, In the dispute, I provided them a sworn fraud affidavit, copy of a XXXX XXXX police report, a copy of the identity theft report to the FTC, XXXX XXXX XXXX XXXX XXXX from the central district of California federal court showing that XXXX XXXX XXXX XXXX XXXX XXXX, a copy of my time computation from the federal bureau of prisons to show proof of XXXX 

On XX/XX/XXXX, Navy Federal deducted {$1000.00} and applied it as payment to the dispute account ( XXXX ) without my permission. 
I received a letter from Navy Federal regarding the two accounts on XX/XX/XXXX. It states that they have concluded that I am responsible for the full amount of {$970.00} and XXXX. 

They did not provide information as to whether I am the one that made the charges. I am not responsible for the fraudulent charges because the dates of those transactions where when I was XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX {$350.00} XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX {$2300.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Experian and XXXX couldn't help me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed many inaccurate and inconsistent information across the bureaus. I have disputed many times asking for validation of this debt but I keep receiving generic verified updated letters but the inaccurate information is still the same and I have not received any information on what was investigated. There are inconsistencies with the account status, date opened, high credit, credit limit, date last active, and date of payment with each company.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I did contact Merchant Preferred to terminate this agreement without penalty and was contacted and property picked up by their recovery team on XX/XX/2019. 

Thereafter, On XX/XX/2019. Merchant Preferred then report to the credit bureau that I was 60 days behind in payments. Merchant Preferred reported that I owe them {$3300.00} and past due {$620.00} from the original purchase price being {$740.00}. 

Merchant Preferred terminated this agreement at my request on XX/XX/XXXX. 2019 without any penalty and I no longer have possession of the merchandise as it was recovered XX/XX/2019 by representatives of the recovery team on behalf of Merchant Preferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal 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
Product: Debt collection

The creditor has contacted me and I have no knowledge of this debt. I have contacted my attorney to dispute this debt. The amount of this debt is {$560.00}. Therefore, I'd like this account deleted from my credit reports from all bureau. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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.
Product: Debt collection

They are using my name to pay a collection of {$340000.00}. They dont have my social and my full name, they put a link on my own house I couldnt refinance because they want the many they said these Money it was a credit from XXXX but I never had a credit on this company plase help myyy please god bless you
Product: Credit reporting

I have a collection account listed with XXXX. I have not had an account with them for years and I 've received solicitation stating how bad they want me back. I fulfilled my account with them and have not been contacted. This is the first I 've seen this. I 'm disputing this and I want it removed.
Product: Money transfer, virtual currency, or money service

Im formally filling this complain to express my concerns and discrepancy regarding Zelle. Ive use Zelle for quite some times now, but whenever I would make a report of lost fund. Zelle and my financial institution would fall short to investigate and track all my claims. They told me it was impossible to track all the lost funds. I reported XXXX of dollars and never got anything back, the only option they would give me was to close that card and get a new one to prevent me to lose more funds from my bank account. Such a big company was never able to protect all of their consumers from all the scams. I hope I can finally get some answer and some help.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Debt collection

XXXX Date opened XXXX XXXX, XXXX  Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/2023. 
Status updated XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX  XXXX, IA XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

Harassing phones calls this debt is over 7 years old. They are now reporting it as a new debt which is completely false. They call all day leaving very threatening voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I have been unable to access an Experian credit report as the company has blocked access. There seems to be an attempt to indicate that I have provided credit card info on file - I have never provided the company with my credit card for any services. The portal indicates that access has been blocked largely due to a monthly payment. I have never signed up for paid subscription to any Experian service. 

This has impacted my ability to get information from my bank- XXXX. At this time XXXX requires an updated credit report with my rental information from XXXX - XXXX in the XXXX section, I am unable to get any service from their agents who indicate that to include rental information, I must have access to XXXX I have been informed that XXXX is available for free. Yet agents have blocked my access to the account and as of XX/XX/XXXX, I am unable to get any clear, relevant information on the phone or through mailings.
Product: Debt collection

This company informed me that first ; they were suing me. I then asked again if they were suing me, they then informed me that they were in the process of suing me. I then asked questions, the story then changed to ... ... they were in the process or making an attempt to sue me and that I would be faced with a summary judgment and then be required to pay legal fees as well. They then informed me that regardless a summary judgment would stay on my credit report for ten years if I paid or not.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated from university on XX/XX/year> with XXXX federal subsidized loans at XXXX total of about XXXX. For XXXX  months I was in grace period which ends XX/XX/year> so now I am in repayment. The only problem I am having with XXXX is setting up the autopay payments to receive the 0.25 % interest rate reduction on my XXXX loans. I submitted an autopay enrollment request on XX/XX/year>, I have the email. Their website says it should take XXXX business days for the autopay to apply and the interest rate reduction to show on the website. After noticing that the autopay still has not applied on my account I submitted again on XXXX XXXXXXXX XXXX and have the email to show the request. My motivation to submit this complaint with the CFPB this early is from hearing the horror stories of XXXX giving people the runaround so that they cheat people out of more money by not applying the interest rate reduction. I hope this helps expedite.
Product: Mortgage

XXXX. Our home was incorrectly assessed by the county as being worth $ XXXX in XXXX. 
XXXX. The county has since corrected the assessment to be $ XXXX as of XX/XX/XXXX. The reduced taxes due from around {$8000.00} to around {$6500.00}. 
XXXX. We informed Wells Fargo of this in XX/XX/XXXX and spoke with XXXX. We sent them the amended tax return the same day. 
XXXX. Wells Fargo overpaid our taxes based on the original amount. 
XXXX. We spoke with XXXX at Wells Fargo on XX/XX/XXXX and she said we would get a refund around XX/XX/XXXX. 
XXXX. We called the county on XX/XX/XXXX and spoke with the supervisor XXXX. XXXX said the county never received the extra amount- they only received {$6500.00}. However, XXXX said that XXXX XXXX, a service provider to Wells Fargo, had the money. 
XXXX. We called Wells Fargo and spoke with XXXX and XXXX XXXX on XX/XX/XXXX who said the county has the money. Both statements XXXX and XXXX can not be correct. XXXX said he would escalate to his supervisor and we should have received a phone call within 24 hours, which we have not. 

We think that Wells Fargo XXXX XXXX XXXX have our {$1600.00} in overpaid tax funds and are earning interest on this instead of placing this back in our escrow account. They say our money is with the county, the county denies this, and I trust the county more than Wells Fargo and XXXX XXXX. Where is our money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. USAA SVG BK is the company that is reporting to XXXX and XXXX, as well as, XXXX is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Credit Bureaus have not been updating the correct information on my XXXX XXXX Account. 
Letter attach as proof no balance.
Product: Checking or savings account

XXXX/XXXX/2017 overdraft and bank would n't send info to 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. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.