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

Thank you for addressing some of the items in my file that resulted from alleged fraudulent activity. However, there are still items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. Enclosed is Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from alleged fraudulent activity within 4 business days of receipt, provided that you receive ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : XXXX  : XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -Equifax : XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$4500.00}. Please note, you have XXXX business days to eliminate any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX, XXXX, and Transunion chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, XXXX, Transunion, and XXXX are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card account with Navy Federal credit union. Through this complaint forum, or through credit disputes, is the only way that I can contact Navy Federal, as  they refuse to talk to me, even though I am still a member. I have a charge off that I am making timely payments on with them, as per a written and signed agreement. This agreement is filed with the XXXX County Courts for record. This is reporting as a " Charged off Account '' on my credit report. However, it has been " TRANSFERRED '' to a Navy Federal Credit Union Lawyer, XXXX XXXX for collection purposes. A charged off account usually indicates it has been transferred, often with a statement on your credit report that says, " Transferred ''. My credit report needs to include a new account entry, most likely from Navy Federal or Mr XXXX, for this debt. The entry showing " Transferred '' is now going to be the active account entry in my credit report, not " Charge off ''. The term " TRANSFERRED '' is neutral. It also can be associated with a positive history when Navy Federal transferred the account to Mr XXXX and I continue to make timely re-payments. There would be no negative impact from the transfer. Scores would simply reflect if all payments were made as agreed after the transfer. 

Indicating transferred on my report will also help me more easily track the history of the debt from the original lender, Navy Federal, as I continue to make timely payments. I have been making timely payments for many months now. I have proof, in the form of cancelled checks, enclosed. I also have a letter, from the collection agent, Mr XXXX, to whom I make these payments, this is not Navy Federal. Since Navy Federal has written off this debt and transferred it to Mr XXXX, and they refuse to talk to me and won't update my credit report, I ask for review from the CFPB. I also ask kindly, again for Navy Federal, to please update my credit reports. They should read, " Transferred '' $ XXXX   monthly payments, " paying monthly '' ... Not " Charge off past due '' ... Please review enclosed documents and update. At the very least, update my report to " Charge off paying monthly '', {$320.00}. Which is the Gods honest truth of the matter.
Product: Checking or savings account

XX/XX/XXXX I receive a letter in the mail stating that my account was charged I had asked why my account was changed they stated that card starting with the number XXXX stating the account has been charged too another account I was release from XXXX XX/XX/2016 when I had out of on XX/XX/2016 XXXXdirect express had asked me for some documents to give the them so I will receive my money so I send them a copy of release papers from XXXX  and a picture ID and a social security card and was able to unlock my card every since 2016 I been using my direct express card until they had changed my account right now I'm currently homeless I'm using my girlfriend address she the only one that helping me with this issue right now I can't not even used my direct express card and don't even any money too eat my name is XXXX XXXX XXXX XXXX called me at XXXX
Product: Mortgage

Today, I went online to make my monthly mortgage payment at Ocwen and I was surprised to find that Ocwen had instituted new policies with regard to how a payment can be made, without having received any of this information by mail, in advance. 

The issue revolves around a {$7.00} service fee that they have decided to charge customers to make online payments. Not much, but I felt taken advantage of because I was not informed of the changes by mail, email or any other method, in advance. 

The website claims that if I were to enroll in " paperless statements, '' that the {$7.00} fee would be waived. 

I called and spoke to an Ocwen representative who informed me that they, in fact, had NOT sent out any information about these changes, but were in " the process '' of doing so. 

To me, this seems completely unfair and wholly inadequate. In my humble opinion, they should be REQUIRED to inform customers of any changes IN ADVANCE of making such changes. 

The representative I spoke with suggested that the changes had been noted on their website previously. I asked if it was then necessary for me to monitor their website frequently to " catch '' such changes. She had no answer. 

Kindly look into this deceptive and unfair practices being made to squeeze {$7.00} out of each of their customers. 

Thank you, in advance, for your consideration. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no contractual obligation with the ABSOLUTE RESOLUTIONS INV. And yet, ABSOLUTE RESOLUTIONS INV has an account on my consumer report alleging that I owe them a debt. This reporting was done fraudulently as there is no verifiable evidence that I, the consumer, am contractually obligated to ABSOLUTE RESOLUTIONS INV. I had since filed an identity theft report with the FTC when I first came to notice the fraudulent account on my consumer report. I never received any correspondence from ABSOLUTE RESOLUTIONS INV prior to noticing the fraudulent account on my consumer report. The ABSOLUTE RESOLUTIONS INV account present on my consumer report needs to be deleted immediately. ABSOLUTE RESOLUTIONS INV can be liable for willful noncompliance under 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between XXXX, XXXX and TransUnion are all different and inaccurate. Please remove from my consumer report.
Product: Credit card or prepaid card

CHASE XXXX IS NOT EXPEDITING MY CLAIM NO. CASE NO XXXX THEY DO NOT ANSWER MY E MAILS WHEN I ASK THEM FOR UPDATES ON MY CLAIMS. 
YOU CAN NOT GET HELP BECAUSE NO ONE WANTS TO HELP. 
I HAD TO CANCEL MY TRIP TO XXXX BECAUSE OF A. MEDICAL PROCEDURE. 
MY CREDIT CARD OFFERS TRIP CANCELLATION. INSURANCE. 
I SUBMITTED ALL PERTINENT DOCUMENTATION AND THEY ARE GIVING ME THE RUN AROUND ABOUT PROCESSING MY CLAIM AND ISSUING A REFUND,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING XXXX  XXXX. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Prestige Financial continued to report false information on my credit files without validation and verification as requested. I continued to request for verification and validation but to know avail. This is not my account.
Product: Credit reporting

I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Mortgage

I have submitted all documents requested with my application for mortgage assistance, such as income, bank statements, tax return with letter to stop foreclosure on XX/XX/year>
Product: Debt collection

I didnt recieve any paperwork or notification regarding debt until it was sold to a new collector. The new collector is not listed on my credit report but they call repeatedly from multiple different numbers labeled XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing toto formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I submitted a letter to all three Credit reporting agencies regarding an account that is reporting inaccurately on my credit report on XX/XX/year>. 
The account payment history is inaccurately showing late payments. The account shows a history of on time payments then goes immediately to 120 day late payments, which is not possible or accurate. FCRA states that account are to be reported accurate. 
XXXX is also reporting the payment status inaccurately, it should state XXXX as agreed. 
Ive included the certified letters that were sent to the XXXX XXXX agencies as well as the credit report for the account in question.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Vehicle loan or lease

i traded in my XXXX XXXX for a XXXX XXXX XXXX i said i wanted to but the truck as a purchase and after i signed the paper work he said congratulation on your lease i began to tell him i wanted to purchase! and he began to yell at me saying i already signed and i cant take it back! 
then had a for a few months XXXX XXXX! 
light began to come on and began getting letters about problems with the truck! 
on how it was a lemon law car i called to have them check no one ever checked at the same time i lost my job! couldn't pay the payments i voluntary repo the truck! 

i would like for you to investagate my case i would like this deleted from my credit report! 
under law 15 u, s code 1681 ( a ) ( b ) this has caused me deep emotional distress and im looking for a lemon law lawyer and a legal lawyer
Product: Checking or savings account

I received a ppp loan on XX/XX/XXXX of this year for my business working with the XXXX  XXXX. I had bank with chime for many years and had no problems with them. But on the morning of XX/XX/XXXX of this year I got a email saying my account was being suspended. I called and they said they need my ID, LLC or something with the business name, a bill in my name and why these funds was given to me and if these funds was from my employer a note from them. I sent them something with the company name, a bill and my ID with a explanation why I got the funds and two days later my account was closed. I spoke for months with different rude people from chime and XXXX 's and was given no help until around XXXX after a investigation was done by XXXX 's in XXXX and they gave me a ticket number two different representatives told me a check of XXXX would be mailed out. They told me that after 30 days of the account being closed it should've been sent out and call back on the XXXX of XXXX if it hasn't. When it hadn't been I called back and they wouldn't direct my calls back to that department and told me that no one ever told me a check would be mailed out. I continued to call and last month someone told me that they need the things they originally asked for and if done they'd mail a check for my funds of XXXX and I should receive it in a couple of days. I asked the representatives again if I sent him my LLC, a explanation of why I received the funds and my ID with a bill a check would be sent and he said yes. So yesterday XX/XX/XXXX I sent them my LLC, a piece of mail with my business name and my ID, ss, a bill and some documents from the lender. This has been a horrible experience. I'm at risk of losing everything. My home, struggling with my bills and my business. It's caused so much stress and it seems like chime doesn't care what this has done to my life, my family and many others that this has happened to. I'm hoping with all the information sent to chime support will be enough to resolve this matter. I even spoke with XXXX XXXX with no help also. Both XXXX and XXXX 's blamed chime.
Product: Money transfer, virtual currency, or money service

I was using cash app to transfer money to friends & pay things. But when my activity picked up a little bit, they closed my account. I made another one and the same thing would happen. On one account, they refused to release my $ XXXX that was on the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Student loan

I am XXXX XXXX with a XXXX XXXX XXXX XXXX called XXXX XXXX by XXXX XXXX XXXX. I have no savings accounts, no real property, and no other assets. Unable to work, I am barely making ends meet. 

I contacted Navient regarding my private student loan and explained my situation. They said I had to continue to make the payments in full. When I was unable to make the payments, Navient began calling me constantly. For months, Navient repeatedly called me every day starting at about XXXX XXXX. Navient called me as many as five times per day, sometimes placing three calls within five minutes of each other. I estimate that Navient called me more than 200 times over a four month period in 2017. D
uring the summer of 2017, I explicitly demanded during a call with a Navient representative that Navient stop contacting me effective immediately. Navient should have stopped contacting me following this conversation. Yet, Navient gave me just one day of reprieve before it resumed its abusive practices.

I have since had to contact an attorney to get Navient to stop its constant and relentless harassment.
Product: Debt collection

Notice to NAVY FEDERAL FINANCIAL GROUP that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. As well as filing my complaint and summons next week.
Product: Debt collection

ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX Account Type - XXXX XXXX XXXX XXXX  XXXX Code : XXXX XXXX Account Status : XXXX XXXX XXXX XXXX : - - Date Opened : XX/XX/2023 XX/XX/2023 Balance : XXXX} XXXX  No. of Months ( terms ) : - - High Credit : XXXX XXXX Credit Limit : - - Past Due : - - Payment Status : XXXX XXXX Last Reported : XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

.I previously a letter regarding this dispute on XXXX and was Originally disputed and requested investigation and no response. The below accounts : RC/Resurgenr Recievable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Acct # XXXX {$520.00} are in fact inaccurate and should be removed Immediately. ThIs account is fraudulently Reported under the following : CALIFORNA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA PENAL CODE 530.5aPC 15 U.S. Code 1681i ( the following I have previously provided supporting documents for penal Code 530.5PC identity theft ) In view of the foregoing, I am disputing the balance shown in my report and requested an investigation of the matter in accordance with [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act, which states in part : ( a ) ( 1 ) ( A ) In general. The Fair Credit Reporting Act ( FCRA ) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days of Deletion of the account If the completeness or accuracy of any item of information contained in a consumers 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. Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ( d ) and 1681j ].
Product: Vehicle loan or lease

Fair placed a hard credit inquiry against my XXXX credit without my knowledge or approval. 

They claim to not have a letter of deletion to remove Fair is a car  subscription app. They require you to take a picture of your licence and give personal information at the start of the app 's process ( SSN ). While researching, Fair claims that this is just a " soft-inquiry '' and  they will not appear on my credit. It even said upon the initial entering of the info that this was just a " soft-inquiry '' and would not effect my credit. 

I was browsing cars on their app on XX/XX/2019. I found a car I was interested in. After selecting some possible payment plans and addition add-ons, I was prompted with a button " Check Car Availability ''. Nowhere along this process I was informed that this button would initiate a HARD credit check. I receive an email which I will attach below. 

Again, nothing having to do with a HARD credit inquiry. I received those contracts, and after review, decided that I would not be moving forward with this car. I did not sign any contract, proceed with any payment, and I canceled this transaction.

Apparently, they grabbed my info which was entered at the beginning of the app ( necessary for even using it ), and applied for a hard credit inquiry at this point. That information was entered initially with the assurance that this was only for a " soft-check '' - but then they later use it for a hard inquiry without informing me at all.

To my surprise a few days later, there is a HARD inquiry against my XXXX credit by Fair on XX/XX/2019. I contacted XXXX and the only way to dispute and remove the inquiry is to receive a " Letter of Deletion '' from Fair and mail it to XXXX. 

When calling Fair - they kept me on hold for 30 minutes - just to tell me that they do not have that type of documentation at their business. 

Shouldn't they be required to have the document if they are regularly doing both soft and hard credit checks? 

So now I am stuck. I can not dispute this inquiry with XXXX   without the document from Fair - which they will not provide. 

Please help me.