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

Inaccurate in my credit report I put in a dispute with Equifax and a without any evidence of an investigation they left it on my credit report with no correct to my credit report. The dispute was for ( XXXX XXXX account XXXX ) ( XXXX XXXX account XXXX ) ( XXXX XXXX XXXX XXXX XXXX )
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 posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Chase on XXXX in XXXX Indiana has closed my Prepaid Card for me using, my Check Deposit on my Account : ACH:XXXXand on a Account The Federal Judge In XXXX did, Put in Affect so no one but me see it in my Account in my App in my Bank Account ACH Account:XXXX, Chase Representatives could not see Account????????? and Chase Bank closed, and stopped my check deposit for no REASON this was my money from my Littgation in XXXX Indiana
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year>XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Debt Collection Practices of Midland Credit Management and XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern : I am filing this complaint regarding the unlawful debt collection practices of Midland Credit Management ( MCM ) and their legal representative, XXXXXXXX XXXX XXXX XXXXXXXX Below, I outline the events that led to my complaint : On XX/XX/year>, I received a letter from XXXX XXXX XXXX  on behalf of Midland Credit Management regarding a debt they claim I owe. This letter stated I had until XX/XX/year>, to dispute the debt. 

Following the instructions, I promptly sent a dispute letter, requesting verification of the debt and any associated contracts, along with a stipulation for their response within 30 days. This letter was sent via certified mail, and I have proof of receipt and signature. 

Thirty-one days passed without any response from XXXX XXXX XXXX or Midland Credit Management . Under federal law, this lack of response invalidates the debt. 

To my surprise, on XX/XX/XXXX XXXX XXXX days after sending my certified dispute letterI was served with legal papers by XXXX XXXX XXXX, initiating a lawsuit for the same debt I had disputed and for which I had requested verification/validation. 

In their XX/XX/XXXX letter, XXXX XXXX XXXX clearly stated, If you write to us by XX/XX/XXXX, we must stop collections under federal law. Despite this, no action was taken to pause collection efforts or respond to my dispute letter. 

These actions by Midland Credit Management and XXXX XXXX XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) in several ways : -Failure to validate the debt within 30 days as required after receiving my dispute. 
-Continuing collection efforts after a dispute was filed, including initiating a lawsuit, which directly violates the FDCPAs cease-collection provisions. 

I respectfully request that the CFPB investigate these violations and take appropriate action against Midland Credit Management and XXXXXXXX XXXX XXXX XXXX Additionally, I ask that the CFPB ensure this lawsuit is withdrawn and that the debt in question is appropriately resolved or deemed invalid due to their failure to adhere to federal laws. 

My legal counsel and I are prepared to provide documentation supporting my claims, including certified mail receipts, copies of correspondence, and the original letter to/from XXXX XXXX XXXX  AND Midland Credit Management . 

Thank you for your time and attention to this matter. Please do not hesitate to contact me at XXXX if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00}
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXX XXXX**Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX
Product: Debt collection

Regarding Calvary Portfolio Services, Account # XXXX Good day, Please assist me for I have no where else to turn for Help. This collections account is showing negatively, unlawfully and inaccurate information on my credit report for months now. Ive first reached out to Calvary Portfolio since XX/XX/XXXX of this year when I found out about their existence on my credit report. Since then, Ive been calling Calvary asking for a validation letter, proof thats it is mine, and signed agreement, and still to this day, I have not received anything. Ive even reached out to Citibank. I saw on my credit report they were the original creditor, and asked for the same requested paperwork. They said to call Portfolio, they no longer own the account. Ive then tried XXXX, XXXX and XXXX, and they all kept stating its verified, but with no proof. All three credit reporting agencies have totally different information on this account showing on my credit report, so it doesnt make sense how they can verify the accuracy of this account without my approval, consent, or have any signed document giving the authorization or validating this account is mine.. 
First, its an account I have no signed agreement with and no prior written notice of. I have NEVER received anything ( physical paperwork, or phone call, email, nothing of the kind ) from Calvary or XXXX. Ever. 
Next, Its also an account that shows an address that I have no affiliations with : XXXX XXXX XXXX XXXX XXXX, NY XXXX My address which Ive for over XXXX is listed below. The attachment shows proof of that. 
Also, its marked as a charge off account since XXXX of XXXX, yet the balance continue to increase? That illegal. Legally, once an account is charged off, the balance freezes, but does not continue to accrue. So whoever this account belongs to, hopefully will catch that error as well. 
In addition, upon contacting both Calvary Portfolio and XXXX, the original creditor that sold the account, for validation of this account, including ID verification, its now XXXX months of repeated attempts per my request, but yet, Im still left with no documents from them proving this account is mine. 
Ive attached documents proving the horrible and disgusting means this companys false information is damaging on my credit report for I wish to have this permanently removed from all consumer reporting agencies. 
Im more upset over the fact that Ive tried for months reaching to all consumer reporting agencies, even requesting proof of their verification attempts, yet Im left with nothing, hence my plea to CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX
Product: Debt collection

BYL Management Services LLC submitted XXXX collection notices to my XXXX credit report regarding bills from XXXX XXXX XXXX sometime between XXXX/XXXX/2015 and XXXX/XXXX/2015. This was after a representative from the NJ XXXX XXXX had contacted XXXX and informed them that they would be paying any outstanding debt on my family 's behalf after their meeting on XXXX/XXXX/2015. I ( 1 ) had never received a bill from XXXX showing this balance, ( 2 ) show a XXXX balance when I access their website and ( 3 ) never received notice from BYL XXXX XXXX stating that I owed them any type of debt prior to them placing a collection account on my credit report.
Product: Student loan

When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level.
Product: Credit reporting or other personal consumer reports

Kindly erase these inquiries. I am unaware of them, and the company acted without my authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Card Account # XXXX, has violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my Written instructions XXXX agreed to remove the account due to identity theft. But XXXX refuses to remove nor have they furnished documents validating the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.
Product: Credit reporting

Trans Union, XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Trans Union have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/2023 in reference to information that is not correct in Equifax 's records. I have an initial dispute # XXXX. In which they closed and I have asked them to reopen thru a letter sent. They have the wrong address, it is the previous address and they never updated to the new address, no matter how many times I tell them. They have not updated my credit report. XXXX and XXXX both have. If you call they can not identify me because their information is incorrect. I asked for my credit report and it is a wealth of misinformation. If I did not get my credit report thru an email, and they mailed it to my previous address... what would have happened? 
Loans and credit cards are not updated. Since I can not send personal information, I did not state which ones. School Loans have not been updated. 
Nothing is updated...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Debt collection

AFNI added a collection to my credit report that does not belong to me. This is causing me great harm, as it has lowered my credit score. I am a XXXX XXXX ( XXXX ) and I take my credit very seriously. I have never missed a payment on any of my obligations. 

I closed my account with XXXX in XXXX. AT that time the representative stated I owed {$210.00} which I paid and have proof of payment if needed. I see the " opened '' date being reported as XX/XX/XXXX - this seems to me as inaccurate reporting.
Product: Checking or savings account

Received a text message from M & T Bank for a one time passcode. I do not have any accounts with M & T bank. I tried to call their fraud department but just sat on hold for XXXX minutes. On XX/XX/27 at XXXX est. I gave my address but since this is fraud app they usually dont use the true parties address.
Product: Credit card or prepaid card

Ever since " Happy '' Cards have been more difficult to come by, I have tried to buy " XXXX  '' and " XXXX ( XXXX ) '' gift cards to shop at various merchants listed on the packaging. However, the quality of these gift cards is not as good and sometimes the cards have PINs with coverings that are hard to scratch off, that scratch off too easily ( thus removing the PIN ), or have already been scratched off before purchase. I bought a {$490.00} card on or around XX/XX/XXXX, but could not read the PIN to redeem the card. I submitted case XXXX to Blackhawk Network, which offered a refund. I submitted documentation on or around XX/XX/XXXX. 

I never got my refund. Instead, I got a total of XXXX e-mails. On XX/XX/XXXX, I got an e-mail that said : " Our team is currently working on your case XXXX and will provide you an update as soon as possible. '' Then, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and today, XX/XX/XXXX, I got e-mails that substantially said the same thing : " Please allow us more time to continue working on your case, we are reviewing the information provided and the one on our system to give a resolution. '' It is manifestly apparent that Blackhawk Network is not actually providing any refund, and is just holding my money indefinitely. I reached out to Blackhawk Network a couple of times on other cases but just got canned non-responses. I want my money sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

sent all the informatio that was requested yet the company claims they did nto get it ..
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't see late remark on payment history and payment status is current I do not know why this account is closed. Please help. 
DISCOVERBANK XXXX
Product: Debt collection

I tried to get this debt validated, but the company did not respond.
Product: Credit card or prepaid card

Back in 2015 my wells fargo account was compromised when someone in the company opened a credit card account. This was apart of the large wells fargo breach that happen XXXX of 2015. Due to this fraudulent act my information has been comprised and is affecting my credit score. I will work with all three bureaus so I can these negatives removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with XXXX  statues. Please remove the following accounts completely from my credit reports.Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am receiving letters from credit card companies saying that they're declining my application for their credit cards even though I have never applied to any credit card companies recently. I only own one credit card and a debit card. However, multiple cards are trying to be opened in my name. These letters I receive say, " we need more information to approve your application, '' " we are declining your application because we believe someone is using your information fraudulently, '' or " we need to confirm your total amount of income. '' So far, I have received three letters from XXXX XXXX, XXXX XXXX, and Chase. I have no current or past accounts with these companies.