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

According to TILA ( Truth in Lending Act ) 15 U.S.C.1602 ( L ) this company has used my Credit Card to create a report on me regarding my reputation as a consumer without my authorization or approval assuming a vital role that they were not asked to obtain identified by congress under Title 15 U.S.C. 1681 ( a ) ( 3 ). They have committed many Unauthorized Uses of my Credit Card as well as invaded my privacy as a consumer with the furnishing of accounts that are inaccurate which does not provide a benefit for i the consumer under Title 15 U.S.C.1602 ( p ). This company also furnished the accounts without written instruction form the consumer or a judgement of competent jurisdiction violating Title 15 U.S.C. 1681b ( a ) ( 1 ) & ( 2 ) .This company has also furnished my information to third parties without direct authorization to do so causing 59 inquiries to show in the report not connected to accounts directly damaging my reputation as a consumer and directly violating Title 15 U.S.C. 1681n ( b ) ( 2 ). According to the FCRA ( Fair Credit Reporting Act ) the contents of these accounts are considered exclusions of a consumer report under Title 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) as well as violations of the treatment of credit balances under Title 15 U.S.C. 1666d of the above mentioned TILA ( Truth in Lending Act ). I have yet to receive any validation of the alleged debts connected to these accounts under the FDCPA ( Fair Debt Collection Practices Act ) from the reporting agency nor the alleged creditor who reported the accounts to the agency pursuit to Title 15 U.S.C. 1692g. This company has caused me great hardship as a consumer with the damage to my reputation as well as the violation of my privacy. Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy pursuit to Title 15 U.S.C. 1681 ( a ) ( 4 ).
Product: Checking or savings account

I had a joint account with my ex-wife for our son in Suntrust bank. I was the only one who put money in it and it was used whenever he wanted to buy something, regardless whom he was with. The ex did something that caused the joint account to go in the negative ( XXXX and change ). She claimed it was fraud, however, if it was truly fraud she would eventually be reimbursed. She began paying on the amount ( XXXX ), bringing it to XXXX. She stated she was going to leave the bank, which concerned me that the bank was going to take the money from me instead, when I had nothing to do with whatever she was doing. I spoke with the Fraud department and they assured me that they would take the money from her account to make it whole and I had nothing to worry about. The very next day the bank held XXXX dollars from my savings account that was used to pay taxes coming up. I again spoke with Fraud and this time they said they were going to hold my money for a short period of time ( about 2 weeks ). My ex then paid XXXX dollars on it and was told that as long as she pays XXXX a month they would leave everything alone and not take it out of my account. After the 2 week period, they released my money. I began the process of moving to another bank as I was disgusted with their attitude about it and after a day or two, they took XXXX from my account to bring the account to XXXX. I voiced my displeasure as to how the bank essentially assisted my ex in making me pay for her irresponsibility and they told me if I wanted to get the money back I would have to take legal action or get it from he ex.
Product: Checking or savings account

They sent a check to the wrong address and they are wanting to wait to 120 days due to sending it to the wrong address and they will not refund unless 120 days or returned in the mail. They said they sent it in regular mail. XXXX days was sent out the XX/XX/XXXX said it has to be returned or sent back returned or wait till XX/XX/XXXX to reissue when they can stop the payment right now have tried to work them to no way have they tried to correct it. Should have sent it certified
Product: Debt collection

This company never sent me a notice of right to dispute at all. I sent a debt validation request asking for information and they have yet to respond. They even pursued to report the debt to XXXX and had not yet validated the debt with me during this 30 day period. This is a violation of the FDCPA. I will seek legal ground if this is not stopped.
Product: Mortgage

Specialized Loan Servicing reported my debt as being 180 days past due in XXXX XXXX. However I was discharged in a Chapter XXXX bankruptcy in XXXX XXXX. This is in violation of of the Bankruptcy code. I have been approved for a HARP Tier 2 loan modification that will be finalized in XXXX XXXX. However it does not reaffirm the loan nor can they report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Credit File Rights Under State and Federal Law According to Section 15 U.S. Code 1679c - You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

Below are the details of the fraudulent 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 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 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 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: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees that have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. this 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 request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 


Incorrect Name - XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00}
Product: Vehicle loan or lease

I called Valley National Bank XXXX XXXX XXXX to make the 1st payment. I was told to call back Monday XXXX XXXX XXXX to get the payoff balance. I called back Monday XXXX XXXX XXXX. And they gave me the payoff amount of XXXX and told me it will be XXXX each day and the amount they gave me was XXXX less than stated. I refinanced the loan with the XXXX XXXX XXXX XXXX XXXX. The exact amount I gave the police and fire credit union included a ten day interest accrual. XXXX sent Valley national Bank the check. A week later XXXX states I owe them XXXX more. When I asked what is the extra amount for. The lady stated it could have been a clerical era and the person I spoke to on Monday gave me an incorrect amount. That is a lie, when I spoke to the XXXX XXXX XXXX She pulled up my account. She stated my first payment went thru. And she told me the payoff amount. XXXX is trying to get more money from me. I want them investigated. I want your to look at the statements, and review the conversations which they have. And the copy of the comments. The lady told me that interest rates can change. No way in XXXX can it change from a payoff amount, than days later accrue {$86.00}. I want someone to review everything on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, lXXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, collector representative came to my door with debt collectors papers with my name on it, she demanded payment, she wanted my ID and told me : " XXXX, XXXX '' threw the papers on the floor and told me to pay!!!!! embarrassing me infront of my neighbors 3x screaming, of all my neighbors, screaming. I was born in XXXX, I do not look like I was born in XXXX, I am XXXX and had a XXXX it is very difficult to open my door. The car she was driving did not have plates, she covered them with paper. 4 door small sedan. I sit in my kitchen window and she came to my door Saturday and Sunday. This company has done this two times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition they have called my home over XXXX times in the past XXXX mos. I have land line and they do not stop calling. I told them everyday, this is not XXXX and they keep calling early hours XXXX am and now they came to my door. Please help me STOP the. This debt is not mine and they know it, they have the information, this XXXX is in California. I need help in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX by XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX Bank DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME BAnk XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

I called the sears credit card customer service on XX/XX/XXXX to do 2 balance transfers to my Sears Mastercard. They successfully processed one of the two requests ( {$4700.00} ) within 2 days. The second request for {$4000.00} was " approved '', but showed a pending status. the second request never properly processed and shows a pending status to this date. I have made MULTIPLE calls to Sears Mastercard customer service ( XXXX ) with no resolve. I contacted them on XX/XX/XXXX to inquire why my {$4000.00} still showed pending and was " holding {$4000.00} in funds '' on my Sears Mastercard, but the {$4000.00} had not been received by creditor ( XXXX XXXX XXXX ). I was asked by Sears customer service to call the receiving creditor ( XXXX XXXX XXXX ) and file a missing payment dispute per the highest supervisor at call center in the XXXX. I have called my XXXX XXXX XXXX multiple times ( XXXX ), and they stated because a hard check ( not electronic ) check was sent from them ( Sears ), they are unable to file or investigate a missing payment, and Sears would have to " track '' the check they sent, OR " stop payment '' on it, and release my funds!! Sears stated it just needed more time to process and stated it would resolve by the next Tuesday. I called again on XX/XX/XXXX and talked with supervisor again and was told I must dispute the original transaction/transfer ( which they filed immediately ), and that it would go away and credit/refund the {$4000.00} back to my account properly, so then they marked my card for fraud and froze it to try and resolve issue. They also supposedly filed a complaint on my behalf and opened an investigation ( I never received any correspondence I requested regarding the findings of the investigation OR the checks tracking number/stop payment request ) I then called XX/XX/XXXX and was told by the XXXX supervisor I spoke with that there was nothing more they could do about this, and I should call the creditor ( XXXX XXXX XXXX ), again that Sears sent a paper check to!!! I spent hours on the phone and spoke with 5 different associates including 2 supervisors. EVERY person I spoke with at Sears Mastercard customer service ( XXXX ) was kind and constantly apologetic, but stated that they do not have authority, capability, or knowledge to resolve this problem. She stated they would open another investigation/complaint on my behalf! I have been a Sears Mastercard holder since XXXX and am extremely disappointed in their customer service department and ability to competently resolve ANY issues in the future. I would hope there is someone reading this who cares and will get this resolved and either find where they sent the check ( track it ) or stop payment on it and free up the {$4000.00} that has been pending on my account for 6 weeks. This is ridiculous and frustrating!!
Product: Credit card

i purchased XXXX shoes and XXXX  book bag from XXXX on XX/XX/XXXX and realized that they were counterfeit items. 


after realizing that the items were counterfeit i tried to cancel my order but they didn't allow me to and still charged my credit card without my permission. So when got them on XX/XX/XXXX i returned them back using the shipping label provided ( XXXX XXXX ) on XX/XX/XXXX and they delivered XX/XX/year> the tracking number is XXXX
Product: Debt collection

On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my Experian report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
Product: Credit card

Wellsfargo credit card has promotional 0 % balance transfer and it 's good product but i have noticed on my statement that where it says " promotional balance '' it says the balance owned and the APR and balance subject to interest rate and days in billing cycle and interest charge. Now what is missing which is critical information is the date the balance is due. I find that something that needs to be fixed asap. It 's not fair toe the consumer not to be able to have that info on the statement. Thank did say that it 's for " security reason '' but she her self and her supervisor said that does n't make senses either. but i wanted to the BCFP to look at this and fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX **** and XXXX XXXX XXXX XXXX XXXX have 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 a account without my written instructions.
Product: Debt collection

Dynamic Recovery Solutions is attempting to collect a debt on the behalf of another 3rd party ( XXXX XXXX XXXX ) while the original creditor is XXXX XXXX XXXX XXXX, which I don't think exist anymore. 

In 2015, I was an inpatient in XXXX  at XXXX Hospital in XXXX XXXX, TX. I provided my XXXX health insurance at the time of service. All facility charges were billed to XXXX  and all went well. However, the physicians that read a report, saw me in the hospital or whatever never billed XXXX. I never received a bill and then 3rd party collections have been involved on and off ever since. I know how medical billing works. I was a patient accounting rep for almost 14 years. If the professional billing office failed to bill XXXX  within timely filing, they CAN NOT bill the patient. I had XXXX  for a reason at that time. I've been very XXXX  since this. I am now in the XXXX XXXX XXXX XXXX XXXX and awaiting a XXXX  at XXXX. I don't need this. It's insane how relentless these people are. Even the hospital billing manager tried to get involved because it's wrong what they did but this company doesn't even exist anymore and no longer contracted with this hospital. I know these companies are just getting these accounts for pennies to collect. However, the original creditor was negligent, failed to file the claim with insurance and legally you cant bill a medicaid patient for that failure! So many years have past, they need to accept accountability and let it go for goodness sake!