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

I told Experian to investigate this account. 

Account name : XXXX XXXX & XXXX Account number : XXXX. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly.

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 an 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 agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient finds when transactions were authorized I was charged fees due to lagging of posting charges and credits. I also sent my son {$560.00} and it was flagged as fraudulent the funds where taking from my account but he never received the money and when I asked for the money to be released NFCU states that its still under investigation. Its been a year now still pending in my account. These issues aligns with the recent CFPB findings against NFCU for similar practices. This is unfair please investigate into my account for these specific transactions.
Product: Mortgage

important : my email is stolen, as i have proof, so I will follow-up to my complaint via phone. 
so ... IF YOU RECEIVE ANY CONTACT IN ANY WAY FROM A PERSON IMPOSTERING ME, PLEASE IGNORE I WORK as a XXXX  XXXX XXXX XXXX XXXX where i have proof some of the below have felony hacked my school email address and endanger children, and want to do felony crime against Chase Bank and XXXX and XXXX XXXX Chase Bank has my mortgage and I have been paying for years. I have complained to them in writing that I WILL NEVER REFINANCE OR DO ANY OTHER LOANS. However, I have documented identity theft and the following people are trying to steal my home mortgage, do a criminal felony refinance. etc. 
Today, while Chase is investigating who is doing imposter for signing me up for loans. 
I HAVE TOLD THEM TO STOP OFFERS, YET THEY KEEP SENDING OFFERS, which i got another one in the mail. WE DO HAVE POSTAL MAIL THEFT BY THE BELOW FAMILIES : XXXX, XXXX, AND XXXX. 
My mail is stolen, tampered with by the same people who are trying to do financial fraud against Chase and XXXX and XXXX XXXX. The CRIMINALS are XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( related to XXXX ) OF XXXX, XXXX XXXX ; XXXX XXXX XXXX ( related XXXX ) ; XXXX XXXX OF XXXX XXXXXXXX XXXX  ; XXXX AND XXXX XXXX OF XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX family lives in XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  ; XXXX XXXX ( man ) XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX, XXXX, and other associates, XXXX XXXX and XXXX XXXX of XXXX of XXXX with XXXX XXXX, XXXX ; and other associates. The main conspirators may be : XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX and XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called over and over experian needs to delete XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I have asked repeatedly that a closed and paid off account be removed from my credit file because it exceeds the statue of limitations for reporting. Instead that update the reporting from the date I ask for it to be removed. The account is over XXXX XXXX XXXX at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the accuracy of certain information in my credit report. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging violations of the Fair Credit Reporting Act ( FCRA ), including failures to properly investigate consumer disputes and the reinsertion of inaccurate information. 
I believe the following inaccuracies in my credit report XXXX be reflective of the issues raised in this lawsuit. I kindly request that you investigate and correct the disputed items : XXXX. XXXX : a. AccountName : XXXX 
XXXX : XXXX XXXX : Closed Payment Status : Seriously past due date/ assigned to attorney/collection agency. 
XXXX. XXXX : a. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed.
Product: Credit reporting or other personal consumer reports

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for discover Bank to close this account due to it being fraudulent identity theft account. 
Instead of closing the account Discover Bank used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe are inaccurate and damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I have a right to dispute any inaccuracies in my credit report. 

My name is XXXX XXXX, and the following are the negative items that I would like to dispute : XXXX XXXX NA - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX - Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately, as per FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX  XXXX XXXX A - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I kindly request you to conduct a thorough investigation into these accounts and provide me with a written explanation of your findings, as per FCRA Section 611 ( a ) ( 1 ) ( B ). 

Thank you for your cooperation in resolving these issues. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was closing on my house and got a call that I needed to wire the money over once I get the email. ( Which was real ). 

Later on that day I got an email that asked me to wire the money over. I did and called them afterwards and they said they didn't get the money.. Come to find out, their email was hacked into and I end up sending the money to another back. XXXX. I called my bank- BOA right away and they said they will look into it and try to get money back... I been calling them almost everyday and its already XXXX and they still say its pending. I feel like they are just telling me that to have my stop calling. Its not cool that this guy, XXXX XXXX ( PNC Bank XXXX got all this money and I am over here fighting my bank. I have XXXX kids and dont have time to call them Everyday. Please help.
Product: Student loan

Fedloan stole {$12000.00} from my bank and has not applied it to my student loan balance. 
I made a {$12000.00} payment to FedLoan on XX/XX/22. One day later, on XX/XX/22, I tried checking my account but received an error message that they no longer service my loan. When I called Fedloan, they acknowledged that they still have my loan and see my payment, but can not show it to me. When I log in to the Fedloan website, there is no record of my loan amount or the payment I made.
Product: Credit reporting or other personal consumer reports

XXXX 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 ( XXXX ) has recently filed a lawsuit against XXXX, alleging systematic 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I dispute the inaccurate information regarding a late account on my credit report with Despite contacting the bank, they can not provide records but have verbally committed to a positive update on the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When I opened my account with chime they didn't give me sign up or referral bonus or a bonus for setting up direct deposit payments. I tried talking to customer service about this and they act they don't understand what I am talking about but I did in fact sign up for chime by being referred and I did set up direct deposit and customer service won't fix it. I can provide proof of this if I need to submit documents
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX  Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Violation of the following : 18 USC 8.

1692 g.

809.

15 US 1692 e.

Company sends approval emails and offers to shop, yet has supposedly closed the account?
Product: Checking or savings account

Greetings Sir/Madam, I am writing to obtain assistance from the CFPB to XXXX the absorbent amount of fees charged to my account # XXXX As of today, XX/XX/2024, I have been charged in excess of XXXX overdraft fees at { {$36.00} } each in the past 3 months. I have a checking account with Truist Bank ( formally suntrust ) and this institution previously announced that they'd eliminated overdraft fees however Im still getting them. To add, the Truist website clearly advertises that there are " { {$0.00} } overdraft fees '' .This is heavily promoted in their marketing for checking accounts for all customers ( past & present ). As a consumer, it is incredibly confusing to be charged fees when the commercial messaging states that fees have been eradicated. So, there is a misleading narrative that must be challenged. When I tried to get this remedied, I was given excuses which presents a support failure. I believe this is unfair business because Im not seeing these fees to XXXX in the morning with no warning about a late fee either, I would like to be refunded for those fees as I can not afford to absorb the totality of the fees. Please advise if there are questions. I can be reached via email at XXXX or via telephone at XXXX XXXX XXXX. Thank you XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

My name is ******************************. I am sending these dispute letters to you to solve my existing issues in the credit reports. Here no other company or person sending out my letters to you. I am personally sending these letters. I became a victim of Identity Theft on ( XXXX, 2023 ) and after that these accounts were added to my credit report which were never opened by me. My personal information may have been stolen through any online platform. I have no idea who was behind this crime. That's why I filed a police report. But now it has been a serious situation for me. That's why I want to remove these accounts ASAP. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVEXXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXXThe name of the documents I am attaching here for your better judgment:XXXXFTC report XXXX.FCRA 605B, XXXXMy ID and Social Security copy XXXX.A notarized letter which proves I am personally sending my letters and complaintsXXXX Police Report
Product: Debt collection

Sent a letter of validation to XXXX XXXX XXXX XXXXXX/XX/year>. Asking for them to send proof that I owed them a debt. And to stop reporting to credit bureaus. They sent me back a statement from the credit card company. They did not stop reporting to the credit bureaus and they also called me about the debt multiple times after the letter was sent. They back dated their letter to XX/XX/year>. I received the letter XXXXXXXX  with the copy of the credit card statement. Not their ownership of the debt. XXXX  account XXXX I would like something showing that I owe XXXX XXXX XXXX. And a detailed statement of how they came to the balance I owe them. And proof of ownership by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX