23daVinci/CFPB_Complaints huggingface dataset:
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 transitions were authorizeds.I was charged fees due to lagged posting of charges and credits. This issue alines with the resent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transitions.
Product: Mortgage

We paid our mortgage off in XXXX. Since then, we have been trying to get the release of lien from Mr. Cooper, but they have given us a runaround. I spoke with their customer service and escalation departments six times and was lied to each time. As of today, the county registry of deeds still hasn't received the necessary paperwork. This has dragged on for more than four months, and we can't get any satisfaction from Mr. Cooper. We need assistance to get the papers that they are legally required to provide in timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/1983 Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor 2 ( XXXX ) XXXX Creditor 3 Creditor 4 Creditor 5 Creditor 6 Creditor 7 Creditor 8 Creditor 9 Creditor 10 * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX )
Product: Mortgage

We were with XXXX in XXXX, sold to XXXX  XXXX XXXX. In XXXX, in the MIDDLE of a " promised '' modification, we were sold to XXXX XXXX XXXX. 

Bank of NY Mellon supposedly holds the note ( see attached ). We have repeatedly asked for the location of the note with no response. Most recently we sent a certified letter received by BNY Mellon but NO RESPONSE.
Product: Checking or savings account

I invested with Citizens bank XX/XX/XXXX to be matured in 5years. It matured XXXX only to be told I can not be paid because they invested with XXXX. I was told to call XXXX XXXX. XXXX told me that court issued a moratorium order that restricts the processing of request for policy surrenders, transfers, loans, and withdrawals because XXXX XXXX entered into a Court-ordered rehabilitation process. .I trusted Citizens bank that was why I invested with them. I did not know about XXXX XXXX. All I knew was that I invested with Citizens bank until the maturity time everything changed. 
Your help will be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXXXXXX XXXX XXXX- Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX/XXXX/25 XXXX XXXX XXXX XXXX XXXX, TX XXXX RE XXXX Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my XXXX credit report : Account Name : collection bureau Hudson valley Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, XXXX failed to conduct a proper investigation. Specifically : XXXX. XXXX. XXXX. XXXX XXXX : XXXX failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from XXXX was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that XXXX may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : XXXX XXXX XXXX XXXX XXXX  : Failure to conduct reasonable investigations of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmproper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.1. 2. 3. 4. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If XXXX or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide XXXX XXXX : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If XXXX can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within XXXX days, as required under the FCRA. 

Sincerely XXXX XXXX
Product: Debt collection

In XXXX of this XX/XX/2019 I received a letter by mail. For a reduced payoff in the amount of {$670.00}. I had agreed to the payoff settlement. But after checking online through XXXX. XXXX XXXX  a partner of Navient had closed and transfer the accounts to XXXX. I would get and received calls threatening me with wage garnishment and taking my taxes. I can't believe I got scam again and they took the money out from my bank account
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was hacked by a XXXX XXXX with loud ringing on my computer. 
I was told to phone a certain phone number to help me. 

They had me transfer {$990.00} from XXXX to a XXXX XXXX to see if it was working from Bank of America. My daughter told me about the scams going on with XXXX and the next day, I contacted XXXX to cancel it. They told me to contact B of A. 
B of A said I should contact XXXX. 
Placed a claim with B of A & was refused, suggesting I contact the scammer to get my money back. 
I have been a B of A customer for XXXX  years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following has violated my rights. 

XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 1907 15 U.S.C 1681 section 602 A. states that I have a 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 consent
Product: Student loan

ECSI is reporting on loans that were on forbearance inaccurately. Customer service say that I wasn't required to make payments while on covid forbearance yet report it as late for a period of 10 months. When contacted the chat agent directed me to call the school instead??? School directed me to call servicer as they don't deal with reporting?! Essentially both the school and the servicer don't know what is going on, so I guess it's up to the borrower to figure it out somehow? Also, I am signed up for paper mail but was not notified by mail that my eligibility was ending and they needed paperwork by some XXXX date. Apparently, it was only sent by email which is not my primary form of communication. I believe this is intentional and by design. One would expect any time sensitive material to be communicated by the means the borrower is signed up for. Customer service claimed they only send out notices when bills are due and some specific types of communication and could not really explain why I was not contacted by mail.
Product: Credit reporting or other personal consumer reports

Has not remove the negative items on my credit report. The balance should be reported as XXXX and updated to reflect GAAP compliance. The trustee is over the account to set off and balance the book, book entry asset backed securities. The account is not being reflected on the book. Debit and credit side supposed to be balanced for tax purposes per IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports XXXX  said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with XXXX  mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory XXXX  filed dispute without my permision I have proof and a copy of my Bank contract infor showing XXXX  refused to take XXXX XXXX  XXXX XXXX XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report XXXX  cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu XXXX  I am and will file charges no mater the out come
Product: Credit reporting

The addresses is reporting incorrectly on my report.I have no knowledge of any of these addresses other than my current residence, XXXX XXXX XXXX XXXX CT XXXX. 
this has been my address for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipts.
Product: Debt collection

The debt in question being sought after by AAMS was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my XXXX XXXX that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.
Product: Checking or savings account

My husband has tried repeatedly to get on line banking through CitizensBank. Its down quite frequently. We noticed that someone has been charging my account illegally the past almost 2 years. It was hard to find this out because we are frequently unable to get online. When asked if we could get credited, they said partially, but not all of it. Im not sure why they would credit partially but not all of it. They shouldve seen the red flags that this company that was withdrawing money out of my debit account was fraudulent. They never said a word. I had a person from the bank call me to rectify it and then ghost me when I tried to call her back. Nothing was ever done to rectify the whole amount. They have done a poor job at noticing any abnormal activity and they say they pride themselves on catching illegal activity.
Product: Credit reporting

I received an alert on my Equifax credit reporting changing one of my accounts in good standing to say, " I was disputing the same and a re investigation was in progress. '' this is false. I never once disputed this item with Equifax. I am starting to believe Equifax is retaliating against me for my other XXXX complaints I filed with this office. I am not and have never disputed an account in good standing. The account information is attached it was a XXXX XXXX XXXX. Why the comment was added without my permission or knowledge is completely unacceptable and false. The attached is my alert from Equifax on XX/XX/2015, as you can see they falsely indicate I am disputing this item. I no longer trust Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I noticed an unauthorized unknown account for XXXX by XXXX XXXX on my credit report, I contacted the bureaus to remove this negative item from my credit report. Although XXXX and XXXX removed the negative item, Experian still hasnt cooperated with removing this negative item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect information ( bankruptcies, liens,  XXXX   XXXX   XXXX  and  XXXX  Bank ) being reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   (  which has a freeze on reporting any information to any agency  )  to inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..
Product: Debt collection

I could have checked almost every option ... .continued calls, impersonating a county worker, told them to stop and they havent. I have received MULTIPLE calls from these people claiming to be a worker for the county trying to serve me papers for court appearance. They have called me, my husband, my daughter and my mother and mother in law claiming to need to serve me papers for a court appearance and threatening to physically go to my employer to try to serve me there. I have spoken to the originating co several times over the last year telling them not to contact me again. This co has a 3rd party call for them stating that there is an upcoming court appearance that I am required to attend yet when I call the number that they give me, it is a collector who refuses to provide the name of the company that they work for. I have told them no less than 10 times not to contact me yet they continue to reach out not only to me but to my family members. The debt was to XXXX, it is almost 10 years old, for less than {$500.00} and it was charged off by XXXX several years ago. The initial phone calls are coming from XXXX ... when I call back, it wont connect. The message says to call XXXX and they refuse to tell me who they are other than that they are acting on behalf of XXXX. Once again, today, I told them not to contact me, that I have told them not to contact me already several times and that I have already filed a complaint against them and I was told that " it doesnt matter ''. They are rude, dimissive and dont really care that they are violating the law by continuing to contact me. They have called me no less than 15 times over the past month PLUS called family members who they worried thinking that I was getting sued. AND, the message that they leave, although it says that its for me only, is left in its entirety on my family voice mails. I am tired of the harassment and their tactics and would really appreciate some help from you as this is the FOURTH time Ive submitted a complaint.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX ACCOUNT XXXX XXXXXXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.