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

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Original loan amount {$18000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto LoanStatus Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$18000.00} Monthly payment {$0.00} Additional info : I paid it off and company agreed to removed upon payment, I simply need this action honored. 
XXXX XXXX XXXX 78 Months Company sold XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number By mail only XXXX XXXX  XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 49 % of this account is paid off Balance on XXXX XXXX, XXXX {$6600.00} Original loan amount {$12000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off Status date XX/XX/XXXX Past due amount {$6600.00} Original loan amount {$12000.00} Monthly payment - Additional info : Written off due to Car Transmission replacement wasn't covered by factory warrantee. XXXX considered it a loss and wrote it off. Plus its pass the statues of limitation period in Virginia. 

Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. 

XX/XX/XXXX Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments No comments Statements No statements Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXX CT GA XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Prepaid card

I attempted to use the card online several times but every transaction was cancelled despite having a balance well over the attempted purchase. Yesterday ( XXXXXXXX XXXX XXXX ), I contacted American Express and tried to resolve the issue, but was told they could not register the card in my name and with my zip code. 

None of the transactions will go through and have been rejected for this reason making the card unusable. I cant add the card to my XXXX XXXX wallet or XXXX account either. American Express was not able to provide me with any solutions. They just kept transferring me to other departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX consumer ( Property Loss ) report by contacting Verisk. The report contains information on a Homeowner 's policy listed in my name and I DO NOT own any Real Property of any kind. Publishing a property loss claim on a homeowners policy in my name is a fraud and any insurance company uses this as an excuse to inflate insurance premiums as additional risk. 

I wrote Verisk on XX/XX/2018 and again on XX/XX/2018 to request documentary evidence of an insurance policy bearing my name and signature associated with the reported insurance loss. Verisk simply states the loss is verified by telephone and has referred me to XXXX 's XXXX to request information from their data furnisher. 

My dispute letters are very clear that I requested a copy of the insurance papers bearing my name and signature ( as required of the FCRA ). I do not believe there was any investigation because XXXX XXXX XXXX, XXXX 's, and Verisk has sent me nothing of any merit to verify any homeowner 's policy and/or a loss bearing my name. 

I received two identical letters and a print copy from their database ( pages attached ) This property loss needs to be deleted from my property loss report because there is no verification, it is inaccurate and/or incomplete. XXXX dba Verisk must verify and validate this information as accurate or delete this record as it is damaging my character in the financial industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax Credit hack. This could have long term and significant impacts on my ability to grow my business and access credit. Furthermore, I am upset about Equifax 's handling of the issue. They have lied and obfuscated at every opportunity and rather than trying to decrease the impact on american consumers they are trying to preserve their image. I would like to see Equifax forcibly dissolved and criminal malfeasance charges filed against the CTO, CEO and CFO.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Product: Checking or savings account

I am writing to fil a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charges fees due to lagged 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: Credit card

XX/XX/XXXX - I contacted Sofi to ask why I received this world debit card in the mail. They said it's because I opened a checking/savings account on XX/XX/XXXX. I have no knowledge of opening an account with them. I asked if they can give me details of why this account has been opened, but they could not give me any. I am frustrated because there are a number of reasons that this account could have been opened. For example, I am a part of a class action lawsuit, and the company may be paying restitution via this method? However, I clearly did not initiate a relationship with SoFi in the past month or year. I said I thought this might be fraud, and they said " your account is now under investigation, '' but could not give me any details. I am scared.
Product: Credit reporting or other personal consumer reports

I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}
Product: Mortgage

XX/XX/XXXX - applied for HELOC with PenFed Credit Union XX/XX/XXXX - was given conditional approval after uploading supporting documents. pre-approval was based on credit score, income and a pending appraisal XX/XX/XXXX - application was denied by underwriting. No notice was given. They deleted my application so the loan processor could not find it. I waited for 3 weeks to get an appraisal that I was told was the only thing keeping that conditional approval from turning into a full approval. Instead of an appraisal, my application was denied and deleted. No reason given and no way to find out what happened.
Product: Credit card or prepaid card

Wells Fargo sent me a letter reporting someone tried to open a new deposit account using my personal information. I called the phone numbers they provided and all 3 asked for my SS #. They didnt match XXXX XXXX XXXX phone numbers. 

XXXX XXXX XXXX  XXXX recently told me my personal information is on the Dark Web. 

What do I do? I didnt apply for anything from Wells Fargo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identify theft from my consumer report.
Product: Vehicle loan or lease

I have a car loan from Ally Financial. The car loan is paid on time. They are constantly billing late fees. It was very hard to understand how they are billing, Now that I see how they are billing they have been charging late fees every single month and were making the payments on time.? 
They also misapplying payments they pay towards the interest, leave the late fees on there and then partial pay the loan amount. This is what is causing late fees every month. Im requesting a refund back on. 
And these practices at this financial Institute is a form of fraud. They should pay exactly how my payments are sent in. These Late Charges have affected my Credit Rating several times they should not be in charge of my credit ratings and I make my payments on time????? 
Ally finance needs to be totally investigated. Thats why their customer ratings are so low.
Product: Prepaid card

I received a Vanilla Visa gift card over a year ago as a gift. I have tried to use the card several times at different stores. Unfortunately the card always declines. I am sure the card has {$65.00} Dollars on it. Since I have called customer service to get the balance every time the card declines. At least 5 times. They always state my balance is {$65.00} All the transactions I try to make are less than that amount. I have called customer service several times on XX/XX/23 and XX/XX/23 to get the numbers in the back and try to use it online. They refused to give me information or issue a new card. I opened a case file with them but they told me that if I can not provide proof of purchase they can not do anything about it and can not issue a replacement even though they know the card has a balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX BANK ACCOUNT XXXX XXXXXXXX I am writing to request the immediate blocking of fraudulent information on my credit report related to the account referenced above, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I am a victim of identity theft, and this account was fraudulently opened or used in my name without my knowledge or consent. Attached to this letter, you will find the following documents, as required by the FCRA. 

In accordance with 15 U.S.C. 1681c-2, I request that you block this fraudulent information from my credit report and provide me with written confirmation once this has been completed. Please also notify the furnisher of the fraudulent information about the block, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX   XXXX   XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed XXXX XXXX Card Ser on my credit report being charged off. I was never 90 days late on this account. The information is inaccurate and is affecting me getting any decent loan or credit with a good interest rate.The 3 bureas are reporting different dates my account was closed and last activity on my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$14000.00}
Product: Mortgage

I am in the midst of refinancing with XXXX XXXX XXXX. They have reached out to PHH Mortgage for a verification since XX/XX/2021. I have also called them for a letter regarding no forbearance on my account ( XX/XX/2021 ), was promised a turn around 24 - 48 hours, followed up with an email on XX/XX/2021 and XX/XX/2021 for a status. There was no reply.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

Certegy check services XXXX $ check denied XX/XX/XXXX Cashed a couple before it. Denied cashing a XXXX $ check onXXXX. mailed off for my consumer disclosure report and it came back empty. So why was I turned down?
Product: Credit reporting or other personal consumer reports

I am writing to request a copy of IRS Form 1099-C for the debt associated with my account Capital One # XXXX, which, according to my records, was charged off on XXXX. And Account XXXX XXXX  # XXXX, was charged off on XX/XX/year>. As per IRS regulations, canceled debts of {$600.00} or more are considered taxable income and should be reported using Form 1099-C.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccurate and fraudulent accounts on my credit report with [ XXXX ]. These accounts remain on my report despite my previous disputes, violating my c

onsumer rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable investigation within 30 daysof receiving a dispute. However, they failed to investigate properly, making them liable for willful non-complianceunder 15 U.S.C. 1681n. Additionally, the CFPB is actively suing XXXX, XXXX, and XXXX for systemic failures to investigate disputes and for knowingly reporting inaccurate information. This proves their pattern of violating consumer rightsand further justifies the immediate deletion of all negative items.

According to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to report only accurate information. Since these accounts remain unverified and inaccurate, they must be deleted immediately under federal law.

Furthermore, under 15 U.S.C. 1681c, any negative item older than 7 years must be removed immediately.

I demand the immediate removal of the following accounts from my credit report due to these legal violations Company name : XXXX Company name : EASTERNACCOS If XXXX and XXXX fail to remove these accounts, they will be in violation of 15 U.S.C. 1681n, allowing me to sue for damages. I request full deletion and written confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S. Department of Education is re-aging my old loan accounts with them. this is allowing them to report the accounts delinquent for longer then the statute of limitations allows these accounts to be reported.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. XXXX has failed And Trans Union has failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax, XXXX, XXXX, has violated my rights. 

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 account information without my written instructions. 

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.
Product: Debt collection

Informed Portfolio Recovery to stop calling over the phone and to communicate with me in writing only. Instead of communication in writing, Portfolio Recovery keep calling from different phone numbers. The last phone number they used is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION crossing the line with false verification
Product: Credit card

Was charged a late fee. Requested to be waived. Was told that for some customers the fee was waived but not for me. Never been late, always paid more than my minimum and late fee was not waived as courtesy but for others is.