23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received an email On XX/XX/XXXX that appeared to be from my realtor. The email had her picture, email signature and all related affiliates listed at the bottom. The attached wiring instructions had the closing attorney 's letter head, name and address. I followed the attached wire instructions, and went to my banking institution ( Navy Federal Credit Union ) and initiated a wire in the amount of {$16000.00} for closing funds. I was not asked or advised to call the receiver ( Closing attorney 's office ) or verify any information before processing the wire transfer. After leaving the bank I emailed the XXXX number to my realtor to confirm transaction had been initiated. The next morning XX/XX/XXXX I had a phone call with realtor in which I was told she did not send me an email. I contacted my bank, Navy Federal Credit Union immediately and stated I believed the transaction was fraudulent and a recall for the wire was submitted. I was told it could take up to XXXX to hear back from the receiving bank ( XXXX XXXX ). I also made a report with the XXXX, Federal trade commission, XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX It has been well over 90 days and after several calls and visits, Navy Federal credit Union has yet to send me mailed documentation on my wire fraud complaint, me submitting a recall, any investigation results, they have not complied to tracing the wire and providing XXXX info
Product: Credit reporting, credit repair services, or other personal consumer reports

Bad inquiries on my credit, late payments Credit none payments on credit
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) NFCU could not track deposits because the bank lump all desposits on same day into one full amount and NFCU tellers had problems locating deposite amounts had taken 3 days and management to get involved. Also, moved money out of pending then place it back in account to clear another item. I never heard of any financial institution moving money in and out of pending just to place it back as not clear. If I could rate no star I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX  with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

These are a list of Hard Inquires not authorized by me and without my knowledge XXXX  XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. XXXX is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019XXXX XXXX 60 days late, XXXX paid on time and closed in XXXX of XXXX. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called XXXX and nothing has been corrected. I'm trying to buy a home and my credit score is one point lower than it needs to be. Without this my score would be higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality

under 15 USC 1681.

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Inquiry XXXX XXXX XXXX XXXX has violated my rights . 
Inquiry XXXX has violated my rights. 
Inquiry XXXX has violated my rights. 
Inquiry XX/XX/XXXX  XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I am XXXX XXXX had a credit card with the Bank of America card ending XXXX however I called and spoke with someone not remembering her name unfortunately. She helped me to closed the account with XXXX   balance and later I received email from BoA noticed that I still had a balance {$17.00} I ignored the bill because it could be an error because I was told my account is XXXX  at the time I wanted to pay off the balance. I saw BoA 's report appeared on my credit agency this is not fair for consumer. I chatted with BoA regarding the open balance {$17.00} on XX/XX/XXXX her name is XXXX XXXX asked me to pay I did pay off the {$17.00} but I do not agree but accepted to pay. This situation does not sound fair to consumer how BoA keeps bearing the open balance even it was XXXX balance ( paid off ).

Below is our chat conversation made on XX/XX/XXXX : You : as I said I want to pay full mean no bearing amount due in future XXXX XXXX : Correct. I am able to set up the payment today for XXXX/2019 and the pay off amount will leave the account with a XXXX balance once it closes the cycle on XXXX/2019.
Product: Mortgage

I fell behind after starting my own business I fell into foreclosure but fully reinstated and I was on track again. Few months past and I got injured working mind you I am running my business alone. I fell behind on my payments the house went into foreclosure I kept saving money to reinstate. I applied for a workout packet to see it I qualified for a loan modification or some sort of assistance. Well in the interim a sale date was placed on the house so this now becomes a very time sensitive matter. I sent in all required information even though I was after the dead line of 10 days before sale the mortgage lender made an exception to review my packet. I spoke to a few representitves after they has a complete packet and I stressed the fact I did not want to lose my home and that I can reinstate I wanted to wait to hear wether or not they can help me in a workout plan. Well Thursday before the sale on Monday I was told to relax your house is not going to be sold we will put a hold on the property as we review the packet but come to find out they never did the house was sold and no one contacted me until after the sale saying I was denied any assistance or loan modification which I clearly asked to be notified asap but then it gets better, the Monday of the sale in my mailbox is the letter of denial backed dated for XX/XX/XXXX saying I was denied which in they knew on XX/XX/XXXX how come when I called they said it was still in review i did n't need to worry and to go have a drink or a nice dinner and relax your house is safe and someone will be in contact with me once they review the packet. So now come Monday my house is sold, I was given false information which would have saved my house from the sale and i would have reinstated if I would have known on XX/XX/XXXX or XX/XX/XXXX when i called that I was denied and everything would be fine and everyone would be happy. I called to see what we could do to make this right and they say nothing we 're sorry. So I am taking further action before the transfer of the deed to try and reinstate and save my home, my credit and my image as a man. I believe they dropped the ball, and misinformed me and gave me false information to stall and let the sale take place to just be done and that was n't fair to me in anyway because i have the money it just so happened I fell into a bad stroke of luck and now I 'm recovered and doing well so why could n't this be handled in a different matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed an account with Experian per my rights under the FCRA to have inaccurate information to be removed from my credit report back in XXXX XXXX. The account was promptly was deleted and was told that it would not be put back on my credit report. Now, some months later that account was put back on my credit report. When I called Experian to have this account deleted, they told me they would not. Even though I was able to give them a report number, to which that account was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much
Product: Credit card or prepaid card

Netspend sent me a debit Mastercard in the mail with instructions on how to activate the card and set up a direct deposit into the card. I have never heard of Netspend before the mailing arrived, have never used their services, and have absolutely never requested a card from them.
Product: Credit reporting or other personal consumer reports

Request for Correction of Credit Report Under the CARES Act To Whom It May Concern, I am submitting a formal complaint regarding the incorrect reporting of late payments on my credit report by XXXX XXXX. These payments were directly caused by financial hardship resulting from the XXXX pandemic, which included job loss and illness. 

The late payments in question occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I worked with XXXX XXXX during this period to request forbearances, deferments, and modified terms to address my financial struggles. Under the CARES Act, accounts affected by such hardship should be reported as " current '' or " modified '' to reflect the accommodations provided, and not as delinquent or late. 

However, the XXXX late payments listed above are still reported on my credit file inaccurately. These entries are causing harm to my credit score and do not reflect the protections provided to me under the CARES Act. 

I am requesting that XXXX XXXX XXXX my account and correct these reporting errors to comply with the provisions of the XXXX XXXX. 



This is ready for you to submit without the personal contact information section. Let me know if you need further assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your credit bureau, specifically regarding my accounts with XXXX, XXXX, and XXXX. 

As per my records, The date opened wrong, date last active, payment history, and date last reported are inaccurate across all three bureaus. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. 

Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. 

I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. 

To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly.

It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile. I implore you to take the necessary steps to correct the information promptly and ensure compliance with the law. 

I appreciate your attention to this matter and your prompt action in rectifying these inaccuracies. Please provide me with written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm in the process of trying to repair my credit and I came across this account which has 2 accounts ( {$540.00} and {$190.00} ) which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XX/XX/2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXXXXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated. 
o Copies of all documents bearing my signature that establish a contractual obligation for this debt. 
4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan showing. I dont have any auto loans at this time. I bought the XXXX XXXX with cash and I have the title. It states US Bank # XXXX. Auto loans or leases Total balance : {$15000.00} US BANK Balance {$15000.00} Balance updated XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX I would greatly appreciate any help you can give to get this removed from my credit report. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education is reporting incorrect information on my credit reports. They first was reporting that I was 120 days late when I disputed that information, they updated the notes to the loan being in collections. How? When this my two student loans was paid in full approximately a year a half ago. I check my credit score periodically and this has dropped my credit score 42 points. Which is hurting me in trying to get approved for a mortgage. These accounts are over 7years old, and has been paid off I would like them completely removed.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I signed up for a store credit card from XXXX on XX/XX/XXXX for {$2300.00}. In the initial statement, it indicated that I would have to pay {$94.00} a month to avoid interests. I setup autopay and opted for paperless statements. I thought I did not have to look at my account again. The promotion expired in XX/XX/XXXX and I was charged {$1000.00} on interest. I only checked my account online yesterday and found out about it. I was offering to payoff the balance in XX/XX/XXXXif they would reverse the interest but they rejected it. The statement of paying {$94.00} to avoid interest was misleading. There was a warning on the statement about the expiration date of the promotion but as I said, I opted for paperless statement confident that my autopay amount would be enough. Even then, offering to payoff the amount due before expiration should be acceptable for both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a picture of an account from XXXX that is not a personal account and it shouldn't de reporting to my personal credit bureaus please dealt his account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX  XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

XXXX student loan servicer and Trans Union credit report agency it says I still am in debt was wrong datess And also when I called XXXX and XXXX said that they reported to Credit agencies that all of the loans should be deleted and no longer owed but forgiven, and theyre taking their time uploading it and changing it in their system.