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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Inaccurate Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over 4 separate letters with Experian, XXXX and XXXX each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

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

I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with Georgia Department of Human Services without my written instruction therefore causing me to be denied SNAP benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide Georgia Department of Human Services with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/The Work Number willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.
Product: Credit reporting or other personal consumer reports

I just checked on my Equifax report and I can still see unauthorized and fraudulent inquiry that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open this inquiry and I have not initiated any transactions to this company.
Product: Credit reporting or other personal consumer reports

The loan was paid off in full in XX/XX/year>, but US Bank reports to credit bureaus monthly that I am delinquent.
Product: Checking or savings account

I opened a saving account with Marcus by Goldman Sachs on XX/XX/XXXX. I deposited money in it and the account had {$30000.00} on XX/XX/XXXX. I transferred these funds to an external account and then wanted to close the Marcus account. I got an email the transfer of {$30000.00} to an external institution was complete on XX/XX/XXXX. However, today I got an email stating the transfer was canceled by Marcus by Goldman Sachs. I have called multiple times and they state they can not state why the transfer was canceled. They will not let me access my money. I spent over an hour on the phone with them and they can not give me access or a timeline for when I can access this money.
Product: Credit reporting or other personal consumer reports

The following company was able to apply incorrect information on my credit report without this information being validated for accuracy, Ive been contacted via mail and calls even after I've told them more than 9 times that this information is incorrect. 
15 U.S. Code 1692c XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and XXXX  this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me
Product: Prepaid card

My CA Middle Class tax refund was sent via a debit card, which I never agreed to. 

I received a USPS scan indicating the card was in my mail shortly before XX/XX/XXXX. I also received a 1099 form. However, the card didnt come, so I began contacting the Middle Class Tax Refund XXXX-Money Networks phone number XXXX. 

I was told by an automated message to keep calling back if the card was not received by the middle of XXXX. Toward the end of XXXX message was updated to say to call back if the card wasnt received by the end of XXXX. 

I continued to call the company and was not allowed to speak to a human operator even though the message kept saying to call them if my refund had not arrived by the end of XXXX, well into XXXX. 

Around XX/XX/XXXX, I finally reached someone who advised my funds had been depleted at multiple convenience store ATMs over a series of multiple days in a city miles from where I live. 

I advised that my card had been stolen, and I did not authorize anyone to use it because I had not received the card. I was told an investigation would take 90 days. 

I called on XX/XX/XXXX and was advised that because a PIN was used they denied my claim. But I never set up a pin because I never got the card. I asked to appeal and was told they would send a form. I never received the appeal form. 

All Money Network sent was a duplicate card which had less than {$2.00}. The instructions about how to create the PIN were included in the envelope, and my zip code was the info needed to get the PIN, even though my zip code was in the envelope with the card. Usually these things are sent separately due to the risk of fraud. 

I have not been given a refund or a further way to appeal this incompetent handling of a card I never consented to receive.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to 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 transaction.
Product: Mortgage

I reached out to my mortgage company regarding my year end tax statement. According to their records I payed significantly more in interest during XXXX than I had in XXXX. I have a fixed interest rate and pay additional principal each month. When I looked at my monthly statements I noticed that the amount of interest paid was no where near what was reported in tax statements. I reached out in XXXX and spoke to a live person over the phone. I received an email saying I would get an answer within 15 days. I have not received any communication since then. My mortgage company is nationstar mortgage llc
Product: Credit reporting

on XXXX/XXXX/16 I mailed a letter to Experian requesting verifiable documents with my signature on them for accounts being reported on my credit report, I did not receive the results or proper notice on the status of my investigation during the dispute process, they also will remove an address on my account XXXX XXXX XXXX that is not my address, also Experian will not remove any inquiries of my report which I did n't authorize any of them, they are allowing companies to pull my credit without my permission specifically XXXX
Product: Mortgage

I am XXXX XXXX XXXX  woman who applied for a home equity loan from Bank of America on XX/XX/XXXX. I faxed them my XXXX and XXXX tax returns as requested, and tried unsuccessfully to get in touch with them to obtain the status of my loan. I also sent my homeowners insurance. Almost six ( 6 ) weeks later, I was informed that I was missing pages of my tax returns as well as other documents. They also kept asking for additional documentation and stated that I needed to sign a document that they never provided me, despite my repeated requests. They asked for business tax returns which I informed them that I did not not have since I have never filed business returns. They asked for profit and loss statements which I told them I have never prepared. I spoke to XXXX XXXX and told her that I was going to make a report to the federal government. Her tone became very hostile and she stated that I was going to do this after they trying to help me, and then stated I was on a recorded line. I repeatedly ask that a determination be made on documents that were submitted. I sent an email hat I would be making a report to CFPB and half an hour later XXXX XXXX, emailed me that my account was closed because it was incomplete. I was also dealing with XXXX XXXX, XXXX XXXX. XXXX lied and sayid they spoke to me when my phone record showed the " call '' lasted for a minute. I was not available to speak. 
It is my firm belief that Bank of America is doing this to frustrate customers and to deny home equity loans..
Product: Debt collection

Collection agency harassing me and filing fraudulent information to credit bureau for monies owed to an apartment complex I never lived at. 

I have provided them with proof of my correct residency during the time in question as well as the XXXX XXXX XXXX police report number where I filed a complaint for identity theft. 

They have not contacted me since I supplied the police report number but continue to post negative filings with credit bureau.
Product: Mortgage

Wells Fargo sent us a letter saying we could refinance for 5.0 %. When we started the process they said it was 5.09 %. The main issue we are having is the appraisal process. The appraisal result came back and it was 10 % less than last year when we did this. The homes they used were not the same as ours. Two of the three home were in our neighborhood but were smaller. One of those homes actually sold for more than they appraised our home. It seems they went out of their way to lowball our home. I checked three sites and all of them said homes prices have gone up in our area 4-7 % -not down 10 %. When I tried to talk to them they tried not to answer my questions. I asked for a refund on my appraisal and credit score ( which they should not have done until after we agreed on the appraisal ) and have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.
Was a 1099-C filed on this account? If so, I never received one. 

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If NAVY FEDERAL CREDIT UNION has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions.

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Cease and Desist all illegal activities Deletion from credit reporting agencies
Product: Credit reporting or other personal consumer reports

Request to have hard inquiries removed from my credit report that I did not request XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not nor have I applied for credit from any of these companies.
Product: Credit card or prepaid card

On XXXX I ordered a XXXX vinyl garage with foundation kit for {$79.00} from XXXX On XXXX I logged a complaint with Comerica Bank because I received a cheap pair of socks instead of my garage. I researched XXXX  on web and found nothing but warnings about this company. Finally I reached XXXX XXXX with XXXX  who apologized and said she would correct item by sending new one tracking number XXXX and which courier claims order is lost. The courier ( XXXX  ) is a fake website and is XXXX. XXXX then says she checked with courier and yes it is lost on XX/XX/XXXX XXXX promised my refund that I still haven't received. Comerica Bank found XXXX favor stating I received my item I think they believe the delivery of the cheap socks was delivery of my item tracking number XXXX XXXX  and not the second supposed attempt to deliver my item number XXXX XXXX. They ignored all my evidence emails to and from XXXX, screenshots of tracking info, etc. I even provided the emails where XXXX agrees my item is lost and that she is refunding my money even though she has not. I'm a XXXX man who has been wronged by XXXX  and Comerica Bank. XXXX says on XX/XX/XXXX sorry big sales it will take a while. If you look online hundreds of other customers were done the very same way and never received a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the mortgage holder of my mortgage currently. They have held funds in a suspense account and applied them late which shows a late report on my credit. I called to find out why and demanded that the issue be corrected. I have not made contact with an account manager on this. The inaccurate reporting hit the bureau within the last three weeks. I need this corrected as soon as possible. The late hit is negatively affecting my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXXXXXX  and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Professional finance company of XXXX XXXX failed to receive insurance payment for my labs done in XXXX and XXXX. These labs were not paid for and then were continued to be sent to collections and affecting my credit score drastically while I was covered by insurance and was not responsible for paying the medical costs due to the fact I was covered by insurance for both labs. I have disputed and my dispute was deemed accurate but my credit score has not changed and the labs are still presented on my credit history. I have also contacted my doctors office several times who have also reached out to the company and insurance to fix the issue. Nothing has changed.
Product: Credit card or prepaid card

after spending around 2-3 hours trying to log into my account by resetting my password this bank seems intent on keeping me out of my account. The instructions are sometimes muddled and always rushed ( 8 diget codes ). The process on a whole seems set up to frustrate one out of pursuing it.
Product: Checking or savings account

My account was closed on XX/XX/2019. 

I have {$23000.00} in my account My funds are being held and I am told Time after Time after Time that it is being investigated for fraudulent activity. 

I call everyday inquiring about my account and I am told by the bank manager her name is XXXX that she has no further information for me and that she will call me when she has an update. I do not understand how my account and be under review and investigated since XXXX if there is money in my account that is fraudulent I do not understand why it is not returned to the sender and my money returned to me. 

This money was sent to me by family to purchase a vehicle new mobile home I have been waiting since XXXX to do this and in the meantime I go without a vehicle and live with relatives because I am not able to access my funds to do what the money is intended for. 

I am not asking for any money that does not belong to me only the money that does! I have been trying since XXXX to get my money and Citibank only keeps dragging their feet telling me that the money is under investigation under review it's always something the nation mark if there is money that is fraudulent in my account send it back to the people that sent it and just send me my money! CFPB PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX  has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : XXXX XXXX # XXXX XXXX/PPC  ( PayPal )