23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit card

I had returned couches and still was being charged for them, they disregard and still harass me. adding another XXXX $ onto the invoice...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX filed on my Experian Credit Report for XXXX dollars. It is a collection agency for XXXX. I have never owned a XXXX account. I have notified XXXX that they have the wrong person & they turned me in anyway on XX/XX/23. Their number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to Transunion, XXXX, & XXXX but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. There was {$16000.00} that were put as a balloon payment in the modification so they were not suppose to be reporting anything late.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX, I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) within 4 Business Days
Product: Money transfer, virtual currency, or money service

I inquired about the status of a XXXX  XXXX XXXX made in XX/XX/XXXX. I have screenshots from my online bank account showing... 
XXXX. XXXX  XXXX XXXX details XXXX. XXXX  XXXX XXXX confirmation XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. GoodLeap PDF Payment Record ( attached ). 

I called GoodLeap customer service ( XX/XX/XXXX ). I made an additional online/eweb payment ( {$190.00} ) because my bank bill payment ( {$190.00} ) had not posted to my GoodLeap account yet and I did not want my GoodLeap account to go into past due status. I was informed that I needed to wait 7-10 business days before bank bill payments to post to my GoodLeap account. I asked that notes to added to my GoodLeap account noting that I was expecting an extra payment ( {$190.00} ) from my bank bill payment to be processed. 

I called GoodLeap customer service on XX/XX/XXXX because my bank bill payment ( {$190.00} ) still had not posted to my GoodLeap account. I was informed by GoodLeap Customer Service that the bank bill payment check had been received ( XX/XX/XXXX ) but it was not made out to GoodLeap. I was not informed who the check was made out to. I was informed bu GoodLeap Customer Service that the check was not credited to my GoodLeap account, and the check was returned. My bank still has not received the returned check and neither have I received a returned check from Good Leap to my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX XXXX, account number # XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. 


I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/XXXX, Experian as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 

As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This is a follow-up dispute to my XXXX original submission number : XXXX. I received the attached final results from Experian in the mail yesterday after I had already submitted my complaint. You will see the date of XXXX XXXX, 2016 as the date of the results of Experian 's " investigation. '' They clearly ignored XXXX XXXX 's directive to delete all the information circled on the attached first page of the report. Yesterday I attached XXXX XXXX 's letter that was sent to XXXX credit bureaus XXXX and is very clear now that Experian has no intention, refuses and has failed to update my credit report as instructed by XXXX XXXX in their letter dated XXXX XXXX, 2016. The only thing left now if this is not rectified VERY quickly, is a lawsuit and I have proof of a winning case just with these two attachments. I could use the extra money Experian so go on breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX. 
email XXXX FNBO account # XXXX Credit limit start date XX/XX/XXXX was {$9400.00} credit limit on XX/XX/XXXX is {$500.00} First National Bank of Omaha Bank Headquarters Phone Number ( XXXX ) XXXX, XXXX XXXX XXXX XXXX Nebraska, XXXX, www.fnbo.com First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. {$9400.00} credit limit, never missed a payment.Then unexpectedly XX/XX/XXXX, my credit limit decreased to {$500.00} which inturn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. FNBO First National Bank of Omaha cut my card limit down about 95 % This is Horrible how you treat people with your high limits then penalize those of us that are responsible and pay on time and more than the minimum!. Bait and Switch Contact customer service and I was told that my FNBO Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and " However, when people applied for the cards, part of he qualification and limit-setting process stated nothing about I had to spend on the card. FNBO drop my husband credit limit from {$15000.00} down to {$500.00}. My husband spoke to XXXX XXXX from the office of the President FNBO and restored his credit limit back to {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from Experian or XXXX   throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX, VA, XXXX Account Number : XXXX Dear Sir/Madam, The Collection Agency PORTFOLIO RECOVERY ASSOC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have reported a collection on your consumer report. You have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ). The Collection Agency ( PORTFOLIO RECOVERY ASSOC ) is violating your consumer rights through false, misleading, and deceptive practices. Moreover, they lack the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures as mandated by law, thus, they are in clear violation of consumer protection regulations. '' Said agency 's use of false, misleading, and deceptive means is a violation of consumer rights. Additionally, furnishing the account to consumer reporting agencies without providing required disclosures is unlawful. Please remove said collection. 

Sincerely, Best regards XXXX XXXX.
Product: Debt collection

This is a request for an investigation into my credit report, which I believe contains inaccurate information that is severely impacting my financial and emotional well-being. I have already notified XXXX and XXXX credit bureaus about the inaccuracies, and they have taken steps to remove them. However, I have noticed that this information is still present on the credit report you have provided me. I am seeking your assistance in investigating and removing the following inaccurate items from my credit report : XXXX/XXXX  XXXX. Also, I do not agree to electronic communication. I request that all correspondences be provided in written form through the United States Postal Service ( USPS ). I am the individual submitting this complaint, and I hereby grant the Consumer Financial Protection Bureau ( CFPB ) the authority to conduct an investigation into this claim.
Product: Checking or savings account

apparently pnc made changes that prohibits my atm round -ups from being deposited to my XXXX  account. This has probably caused my account to grow much slower than it should have these past few months. I thought there should have been more money saved on acorn but just received a message from XXXX  informing me of what pnc was doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax via Certified Mail # XXXX XXXX XXXX XXXX XXXX which was received by Equifax. In that letter I requested that the following addresses and business information be deleted from my file because this information is inaccurate, outdated and most of which does not belong to me ... and again should be deleted/removed from my profile to show accurate reporting in my profile Pursuant to the Fair Credit Reporting Act 609. They have not removed this information as of yet.

Address Information to be deleted are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Employment Information to be deleted is listed below : 1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/ to setup service for my Girlfriend who lives in an apartment separate to mine. The representative on the phone asked for my social very shortly after getting on the phone with me, in her words " this is a standard procedure to verify whoever is calling us does not have any debt owed to XXXX '', so I gave them my social because I was the one calling. She did not inform me that she was using my social to create a XXXX account under my name ( instead of my Girlfriend 's name ), and she pulled my credit report without my consent or even telling me she was doing so. I fixed the problem with the account having my problem but there is still a hard inquiry from Equifax fromXX/XX/XXXX. I attempted to dispute it with Equifax but the dispute was denied. I was planning on setting up XXXX service for myself about two months later, so my " fallback '' solution was to setup an order for myself that would be completed in two months, so that they would be able to setup service for me without checking my credit again ( since they had already just done it, every XXXX representative I spoke to said that my credit would be held on file for 30 days and my credit would not be checked again since I am setting up an order within 30 days of my credit being checked ). When I went to complete the pending order, XXXX pulled my credit report again, and again did not inform me or did not have my consent. There are now two hard inquiries on my Equifax from XXXX that I did not authorize. Obviously it would be reasonable to expect one to be on there, for setting up my service, but there are two, and I did not authorize either one. 

The representative I spoke to on XX/XX/XXXX to setup service for XX/XX/XXXX confirmed that a second credit check would NOT take place, since they had checked credit on XX/XX/XXXX and it was within the 30 day window. Her employee ID is # XXXX and her name is XXXX.
Product: Checking or savings account

I am filing this complaint against Navy Federal Credit Union ( Navy Federal ) for their mishandling of my fraud claim, failure to provide documentation as required by law, and improper treatment of my account following the fraudulent charges. 

On XX/XX/year>, I reported fraudulent charges on my Navy Federal account in the amount of {$460.00}. I promptly filed a police report and uploaded my claim to Navy Federal the following day, on XX/XX/year>. However, just XXXX hours after I submitted my claim, Navy Federal denied it, stating they conducted a full investigation. It is not possible for a thorough and fair investigation to be conducted in such a short timeframe. 

On XX/XX/year>, I explicitly demanded that Navy Federal provide all documentation and findings used in their investigation. To date ( XX/XX/year> ), they have failed to provide any documentation or evidence to support their denial of my claim or to demonstrate that a legitimate investigation took place. 

Additionally : 1. Navy Federal removed the provisional credit for the fraudulent amount of {$460.00}, leaving my account negative, despite my clear lack of responsibility for the unauthorized charges.

2. Navy Federals customer service representatives have provided no explanation for why I have not received the requested documentation, nor have they offered any resolution to this matter.

These actions violate my rights under the Electronic Funds Transfer Act ( EFTA ) and Regulation E, which require financial institutions to conduct a reasonable investigation of reported fraudulent charges and to provide evidence to support their decisions. Navy Federals failure to comply with these obligations has caused significant financial hardship and emotional distress.

I am requesting the following : 1. Immediate provision of all documentation, evidence, and findings related to the investigation conducted by Navy Federal.

2. Restoration of the provisional credit of {$460.00} to my account while this matter is properly investigated.

3. A detailed explanation of the investigation process and compliance with all legal and regulatory requirements.

If these issues are not addressed promptly, I am seeking CFPBs intervention to hold Navy Federal accountable for their handling of this matter and to ensure they comply with the law.

Thank you for your time and assistance in resolving this issue.