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

I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my report : XXXX XXXX XXXX , Account Number : XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the 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 who it relates. 

I did not give XXXX XXXX XXXX written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( j ) 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer/natural person consumer report reputation has been harmed by XXXX XXXX XXXX Pursuant to title 15 USC 1681s-2 , 15 usc 1692 ( d ), XXXX XXXX has violated my consumer rights. 
A charged Off account is reported on my consumer report from XXXX XXXX. XXXX XXXX has failed to disclose initial written with i, consumer for consent to file 1099c, Pursuant to title 15 USC 1692 ( j ) XXXX XXXX has violated my consumer rights. I consumer/natural person has been financially injured due to XXXX XXXX Actions by , reporting to consumer report agencies, ruining reputation, also disclosing non public information.
Product: Debt collection

I found a negative mark on my credit report by MEDICAL BUSINESS BUREAU # XXXX. I never received a notice about this debt being in collection and I am pretty sure this was paid back in 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inaccurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX ERASE IT FROM MY REPORT. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
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 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 transactions
Product: Debt collection

Accelerated Financial Solutions violated fair credit reporting laws! They reported a debt that I called and disputed before they reported it. I disputed the validity of the debt before the 30 days that credit reporting law allows, and they reported it anyway! Now it is showing on my report and made my credit go down and I am disheartened by them violating my rights and degrading my credit score. On XX/XX/XXXX Accelerated Credit said they would not be reporting/stop reporting and then reported it to the credit bureaus on XX/XX/XXXX, and I want it deleted immediately, per fair credit reporting act law. Find copies attached. 

Accelerated Financial Solutions , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX : Case # XXXX, XXXX XXXX Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by XXXX XXXX. We understand that XXXX XXXX is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion XXXX XXXX would like ( email, fax, etc ). 

If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 


Sincerely, Dispute Resolution Accelerated Financial Solutions , LLC
Product: Debt collection

Greetings, This company called ( XXXX )/ XXXX XXXX contacted me that they can mentor me on real estate, i was driving while they called me, i was told that the mentorship would be {$9900.00}, but i do not have to pay until they start the mentorship. they sent me a link to type the last XXXX digit of my SSN and address, i did so, all of a sudden i received and email from Affirm company that a loan of {$12000.00} was taking in my name that i had to pay back, i have been calling the number back no response and i have also emailed them to cancel mentorship no response from them. This is a scam. 

Affirm is trying to report the loan that they never gave me to credit bureau. I never received any mentorship from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : XXXX, XXXX, TransUnion, [ Furnisher of Information ] Account Type : XXXX XXXX Account Number : Ending in XXXX Opening Date : XX/XX/year> Description of Issue I am writing to report inaccurate information on my credit report. XXXX, XXXX, and TransUnion are reporting a self-credit card account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : XXXX, XXXX, TransUnion, [ Furnisher of Information ] Account Type : XXXX XXXX Account Number : Ending in XXXX Opening Date : XX/XX/year> Description of Issue I am writing to report inaccurate information on my credit report. XXXX, XXXX, and TransUnion are reporting a self-credit card account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Desired Resolution I request : Immediate removal of the disputed account from my credit report. 
Damages for harm caused by inaccurate reporting, totaling {$1000.00}. 
Attachments Copy of credit report Account statements Identification documents Supporting correspondence Certification I certify that the information provided is accurate and true to the best of my knowledge.
Product: Student loan

In XXXX, I submitted a request to change from XXXX to XXXX. This is because my payments were increasing with XXXX and because I knew XXXX was being questioned. I am in XXXX as Ive worked for a public university for nearly 10 years, and I want to keep making payments. My request has not been processed and now my loans are in forbearance, meaning I cant make progress toward loan forgiveness. On XX/XX/XXXX when my loans were placed in XXXX forbearance, I reached out and asked if they could process my form from XXXX so I could keep making payments. No response. I dont have hours to wait on the phone with them for them to say they cant help me. This is directly impacting my finances and path toward loan forgiveness.
Product: Credit reporting or other personal consumer reports

I spoke with Equifax on the phone they said they would look in to it. Then a few weeks later i received a letter stating they had deleted all 3 so i checked and they where still on my report a month later i called Equifax back they said it takes 2 month for it to show its been removed. Well its now XX/XX/XXXX and i received this letter on XX/XX/XXXX that all 3 deleted. 2 still remain on XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to deposit money on ATM at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I use the first in on the left. That ATM was malfunctioning and I couldnt even deposit the money. However I have a receipt. I have called the Bank of America multiple time and they told me that they going to closed my account without any assistance and reason why? Assuming the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.
Product: Debt collection

I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undo stress, and it is negatively affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy back in XXXX, it was closed in XXXX. It is now off of my report. The bankruptcy I filed was Chapter XXXX and my mortgage and car were paid outside of the bankruptcy and to not be included. I paid both of those accounts on my one and was never late. I had to dispute XXXX XXXX XXXX which was my car loan because even though I paid always on time and paid it completely off they were reporting it closed -- bankruptcy. My mortgage in the amount of {$34000.00} was showing the same thing. I have filed disputes on and off since XXXX and have not gotten any resolve. My mortgage company XXXX XXXX  XXXX XXXX XXXX says they have never reported my mortgage in bankruptcy nor have they reported any derogatory marks against it. They are also saying they have not reported it closed. I have had to contact Trans Union several times about the account showing closed. Just recently after filing the dispute they added remarks to the account " Closed-Derogatory, '' and put reaffirmation of debt at the bottom. I called Trans Union and they told me it was not derogatory but XXXX is reporting it closed. I was told XXXX just sent them information on XX/XX/XXXX about the account and did not report it open. It doesn't make sense that I have been paying this mortgage since XXXX on time every month for it to report closed and derogatory when XXXX is not reporting it that way. Everytime I call Trans Union they tell me to call XXXX however, XXXX says they are not reporting my mortgage closed nor are they reporting it negatively. My credit score just recently dropped XXXX points thanks to the remarks added to my mortage on their report. Please help me get this issue corrected. It is so frustrating and not fair. If I pay my debt on time I should not receive negative remarks on my credit score.
Product: Credit card

I have an credit card with Bank of America that I tried to use to make an online purchase of {$52.00} on the XXXX of XX/XX/year> while I'm outside the US. This was flagged by their fraud detection and my card was frozen. I can not travel to the US so I called their customer support from their app to try and resolve the issue over the phone. They insist that even though I am authorized through the app and their web interface that I must go to a physical branch with two pieces of identity to resolve the issue. It would cost me thousands of dollars to do so, so I asked if there was anything else I could do and was repeatedly told the only thing that can resolve the issue is to travel to a physical location in the US.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative item reappeared Im a little confused.  XXXX  months ago, I disputed the following previously deleted account as being inaccurate, and Equifax deleted it because the furnisher agreed with me.         But today, I went online and checked my credit and noticed that Equifax put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least  XXXX  days after placing this item back on my credit report. So why was I not notified? Because of your actions, I was denied credit. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine.     Please delete this previously deleted account within   XXXX   days of this letter.
Product: Debt collection

Called step daughter about debt owed. The only reason they can call relatives is to locate the primary person. We have not moved or changed numbers in years. Illegal collection tactic.
Product: Mortgage

XXXX XXXX transferred me to a Company named Loan Care whom is still affiliated with them. I had been working on retention options with XXXX until the loan transferred. Once the loan transferred is when my account started falling through the cracks. Every time i called Loan Care I would be transferred to many different departments about 6-8 times since no one there knew how to help me. I submitted my application for retention options on XX/XX/XXXX, just days after it had been transferred. I kept being told that the application was in review for months. On XX/XX/XXXX, I was advised that they needed additional documents and that they would email me with the request. When i received the email, i was shocked and confused by the documents requested. Loan Care was requesting preliminary documents to sell my home and they advised that there was a sale date of XX/XX/XXXX. I never requested to sell my home and for months had been told that my file was in review and there was no sale date. Now they are forcing me into selling my home and telling me there are no retention options, my home is going to be auctioned all because i have an HELOC. This could have been told to me months ago before. Today, i received a letter in the mail stating that I can apply for loan modification options. Every package i submitted, i never received acknowledgement letter, i was never able to speak with a specific person and now i am losing my home. Please help me. i can not lose my home.
Product: Debt collection

I have written to the Bureau ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.
Product: Checking or savings account

I was scammed by a romance scammer and I deposited into my account a check that I believed was good and it turned out it wasn't.. I didn't ask for them to front me part of the cash from the check and they told me they were closing my account because the check turned out to be bad. After they closed the account I changed my benefits check deposit from them to a different bank and I didn't do it in time and the bank kept my benefits check from SSI. So basically they stole my benefits check from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affiliated Creditors were notified in XX/XX/XXXX by the courts that the charge for {$690.00} was included in my bankruptcy chapter XXXX. I also put a dispute in thru XXXX  XX/XX/XXXX and have recently found that it is on XXXX  when we applying for our house mortgage when they pulled our credit from XXXX. 
Affiliated recently reported it on XX/XX/XXXX when I called them in XXXX the representative told me they have the right to report this until I pay this debt off. 

The other creditor that I put in a dispute for the same reason has promptly removed the derogatory remark off all the credit reports. 

I appreciate your assistance in this manner. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. XXXX XXXX XXXX, Account # XXXX In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Vehicle loan or lease

The car was repossessed, the company is saying that it wasnt, I havent had the vehicle in XXXX years now
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!
Product: Credit reporting

Fraud was committed in my name and the credit bureau refuse to block or remove the fraudulent account from my credit file base on FCRA 605B