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

I mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the USA reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
XXXX especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report.

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions.

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.
Product: Credit reporting or other personal consumer reports

I have disputed the unverified accounts since XXXX with no documents on what they verified and with who etc. I am getting false responses stating they have verified when they have not because if they had they would not change up the information often. Want accounts deleted immediately as this is causing emotional and financial distress. CFPB have not done anything also as i have disputed here multiple times with no errors deleted. Last attempt before seeking litigation all " unverified '' accounts are listed and all documents have been sent. DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Just recently I went to purchase a car and when they did my credit check they brought it to my attention that I have a small online loan that was issued to me from a XXXX XXXX XXXX I have never heard of this Bank nor have I ever banked with them. I have had my driver 's license and social security card and birth certificate stolen twice in the last 3 years I wasn't aware that there was anything on my credit report and now that I am I'm trying to cover all my bases before the situation gets any worse. Not only is there a strange charge from this XXXX XXXX XXXX online credit report but there's also a charge from some medical firm or something for {$1000.00} when I've had medical insurance the entire last 7 years so I'm trying to resolve that issue as well right now with my insurance company and I would like to have that taken off and credited on my account as well because you know I will get that paid and straightened out and it shouldn't be penalizing my credit.
Product: Debt collection

DEAR NRA GROUP ; NATIONAL RECOVERY AGENCY ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXXent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

XX/XX/year> our XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. My family was XXXX XXXX XXXX XXXX XXXX XXXX 
I am in the process of rebuilding my house. I have a signed contract for the new house build, engineering plans and deposits for everything that CHASE ( mortgage company ) needs. I have provided every document to prove that I am rebuilding a house. I need funds released so that I can continue to pay the building contractors. CHASE will not release any funds whatsoever. I have exhausted all my options with CHASE and escalated this matter. CHASE is legally responsible to release funds but simply will not do it.
Product: Mortgage

I just purchased my home XX/XX/2019, and to my knowledge my first payment was due XX/XX/2019. Before XX/XX/XXXXI received a letter in the Mail from Ditech stating they were my new servicer. I called XX/XX/2019 to gain clarity on whether I needed to pay the previous servicer or Ditech. The representative from Ditech informed me on a recorded line that I did not have to pay the previous servicer, she assured me my first payment would be due on XX/XX/2019 and it would be made directly to Ditech. Any payments I wished to make prior would go towards interest and they weren't required. I spoke with her atleast 15 minutes gaining assurance, with my wife as a witness. I also asked her what happens to the XX/XX/XXXX payment, and she assured me there was no payment with Ditech or with the previous servicer to be made. 

Later, I received mail from my previous servicer stating the payment was in fact due and I had to pay them directly. I gave Ditech a call XX/XX/2019 and I spoke with the supervisor concerning what I was advised. She listened to the recordings from the previous representatives and I, she too agreed I was given wrong/misleading information. She stated she did not have authority to give me a credit, grace period to pay Ditech or anything of that nature. All she could do was discipline the worker. Her solution did not have the fact that I was lied to and now things were completely out of order. I requested to file a complain with corporate, the supervisor filed it and gave me the ref. # XXXX. She said I can call anytime to find out the status, otherwise I would be updated from them. 

Today, XX/XX/2019, my wife XXXX XXXX gave Ditech a call regarding a follow up/status on the complaint. Based on what the representative stated, she didn't see anything directly from corporate regarding a response, but her supervisor informed her we could not skip a payment or push it to the end of the loan. The representative also said we'd have to send in a statement asking if corporate sent correspondence in. We weren't informed that this is how Ditech processes complaints, so here we are looking for a solution.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been charged {$10.00} from XXXX, XXXX, and Experian on XXXX XXXX 2017 to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Product: Checking or savings account

Bank made a few mistakes in freezing my savings account caused a payment to landlord to bounce ... XX/XX/year> XXXX
Product: Checking or savings account

XX/XX/2024 : Opened new checking and savings account at the same time. Used promo code for {$900.00} total ( image 1 and 2 ). 

XX/XX/2024 : Contacted chase via online customer support for help. Was told to call so I called every week. Case was opened ( Case ID : XXXX ). I was told the savings applied but not the {$300.00} checking and {$400.00} extra bonus multiple times. 

XX/XX/2024 : Asked bank teller in person about the status of my promotion. They said I had already had a checking account that was closed over 5 years ago. The promotion is valid if the account has been closed after 3 years ( image 3 ). 

XX/XX/2024 : Have been trying to call the chase research team every day and they said my case was closed with no reason why. I have been unable to get any information from them about the missing {$700.00} promotion.
Product: Debt collection

XXXX XX/XX/2016 XXXX, TX XXXX XXXX affecting my credit ssomething that was paid over more than a year an half. i want it removed of my credit not open removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover and all 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries  should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. XXXX certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XXXX/XXXX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

Im trying to set up a XXXX account but Capital One wont enable them to access my account.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

There are 3 inquiries on my Equifax report that I did not make. I contacted Equifax ( see attached ) and explained this to them and they refuse to delete this information from my file. The 3 inquiries that should be removed are : 1.  XXXX XXXX XXXX 2. Equifax XXXX 3. XXXX XXXX XXXX XXXX  XXXX I do not recognize and did not authorize these inquiries.
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX and 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

On XX/XX/year> I placed an online order through the XXXX XXXX app. Order number XXXX for {$240.00}. XXXX items were missing from the XXXX shipments my order was sent. XXXX was {$9.00} and the other was {$120.00}. XXXX customer service resent the {$9.00} item but had to investigate the {$120.00} item with their internal team. They came back saying based upon shipping weight of the package the item was sent out from their warehouse. They refused to ship the item I paid for not refund me. I disputed the charge with the XXXX XXXX XXXX. They temporarily credited my account for the total amount of purchase even though I was only disputing partial. In the mail I got a letter saying after connecting with the retailer the order was in fact placed by me and order was shipped. Yes, I did place the order for that amount, that wasnt the discrepancy. No item, no credit = fraud and theft.
Product: Debt collection

Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about XXXX years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with XXXX different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.