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

This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is Capital One Bank USA and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the XXXX XXXX BUT the issue is XXXX  XXXX CRA 's ) have reported this on my credit as having a balance of {$910.00}. This is inaccurate and in violation of FCRA & FCBA law. Capital One Bank USA has confirmed specifically Capital One Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. CRA 's are claiming that this is an error on Capital One Bank USA not them. They persist that this is on Capital One Bank USA to correct. Whoever the error is on please update this swiftly as this is affecting my ability to purchase a new home. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 for accounting ending in # XXXX clearly reflects. I have spoken to Reporting Specialist at XXXX  ID # XXXX and have verbally informed XXXX  of the error to get this fixed as soon as possible but they claim the error is on Capital One Bank USA.
Product: Credit card

I wanted to refinance my property and noticed that my identity was stolen and used to open a fraudulent account under my name without my knowledge. I am a victim of identity theft. I filed a police report at XXXX Police Department in California. I contacted with the credit bureaus and sent them Identity Theft Affidavit and Police Report. The credit bureaus removed the fraudulent account, but after a month I 've got a letter from XXXX credit bureau that they re-inserted the following fraudulent account : Wells Fargo Bank - account no : XXXX. I again contacted with XXXX to find out why they re-insert the fraudulent account. XXXX representative tole me I need to contact with Wells Fargo Bank. I asked him to do three way conversation to see what the problem is. XXXX agent contacted with Wells Fargo bank and I explained XXXX of the agent of Well Fargo Bank Fraud Department. She asked us to hold two to three minutes to find out what happen. After 45 minutes, she took the phone ( without any excuses ) and told us she should transfer the phone another representative. So, another representative took the phone and I explained her what happen, she hanged the phone on us. XXXX representative was surprised and I was shocked because nobody could help us. I asked him to remove that fraudulent account but he regret to do it. I asked a supervisor from XXXX credit bureau and he transferred me to XXXX XXXX, the supervisor of XXXX. After two hour, he called me, and again I explained me what happened. He advised me to do three way conversation one more time. After all, XXXX XXXX called to Wells Fargo Bank. This time Wells Fargo Bank representative from fraud department did not let to XXXX to hear our conversation. But I insist to talk on front of XXXX supervisor, but she hanged off the phone on us. I asked XXXX XXXX XXXX to removed Wells Fargo fraudulent account from my credit report, but he did not remove it. He told he will call me one more time next day and try to fix this problem. However, since now I do not receive any phone calls from XXXX. Please help me to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I viewed an update copy of my credit reports and noticed that Capital One Is reporting incorrect information on my credit bureaus file. Capital One is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XXXX XXXX disputed this closed credit card account directly with Capital One. Capital One responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from Capital One ). 
I have never documented in any of my disputes to Capital one " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. Capital One last reported this incorrect information on XX/XX/2019. As of XX/XX/2019 I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )
Product: Credit reporting or other personal consumer reports

I made a payment to my XXXX XXXX XXXX  and days later my phone eneded up messing up so i wasnt aware that the money i used to make my credit card payment was tooken for my phone bill that was also due but it was nothing i could do about it because i didnt have access to my accounts and i wasnt aware of this until the 30 day late notification popped up when i ended up gettng access to these accounts again which is why my payment was made right after the 30 days
Product: Money transfer, virtual currency, or money service

On XXXX I made 2 transactions to the below Crypto Wallet addresses. Both showing as successful in the Crypto Trackers and at the originating institute ( XXXX ). 
However, just one transaction was added to my account, a detailed below : The transaction to PayPal Crypto address : XXXX for XXXX XXXX was correctly transferred to my PayPal account. 

However, the transaction to PayPal Crypto address : XXXX for XXXX XXXX, did not reach my account and still at this PayPal transient address. 

Both addresses were provided by PayPal on XXXX for the purpose of fund transfer into my PayPal account.
Product: Debt collection

This is the second complaint with CFPB an d Trident.  My first complaint was  XXXX .  Trident  responded with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Section  609! I have the right to request and receive " the name of the person under which such  person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request.  If Trident Assest can not provide this, I want this account removed from my credit report immediately.
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. was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Wells Fargo you are in violation of the FDCPA and the FCRA in this letter of about 4 you claim you will respond by a certain date and I never hear from you. You are fully aware that your credit reporting is incorrect and you must remove the inaccuracies and then you sent a letter stating that you would respond by XX/XX/XXXX and today is XX/XX/XXXX you are reporting reckless and incorrect information on my credit report Congress passed a law back in 1971 given credit or such as yourself the ability to report accurate information and if you cant do so this is a violation I have sent you factual proof that your reporting is incorrect and I demand that you delete this trade line from all reporting agencies you did not respond by the XXXX and several other letters that I will certainly be appreciative to upload the other CFPB please delete these In accuracies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting false and inconsistent information across XXXX, XXXX, and TransUnion, violating the Fair Credit Reporting Act ( FCRA ). 

1. Inconsistent & XXXX XXXX XXXX XXXX XXXX is reporting different balances, payment statuses, and account details to each credit bureau, which is inaccurate and damaging. 
These discrepancies have caused my credit score to drop by over XXXXXXXX XXXX, preventing me from securing housing, financial opportunities, and essential services. 
Their failure to provide accurate and consistent data has directly harmed my financial well-being. 

2. Unauthorized Fees & Account Lockout XXXX XXXX locked me out of my account, preventing me from making payments and forcing me into delinquency. 
They demanded I pay over the phone but refused online payments or other methods, which is unfair and deceptive. 
They added over {$360.00} in fraudulent late fees, pushing my balance beyond my credit limit. 
They refused to issue a replacement card after my wallet was stolen, causing further financial hardship. 

3. Fair Credit Reporting Act ( FCRA ) Violations Compensation Request XXXX XXXX has violated the FCRA multiple times by failing to provide accurate reporting, refusing to investigate disputes, and engaging in unfair financial practices. 
I am requesting {$1000.00} per violation, as allowed under the Fair Credit Reporting Act, due to financial harm, credit damage, and emotional distress. 
I demand : 1. An immediate CFPB investigation into XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
2. Full removal of all false credit reporting from XXXX, XXXX, and TransUnion. 
3. A refund of all unauthorized fees and over-limit charges. 
4. Compensation of {$1000.00} per violation for financial, emotional, and housing-related damages. 

XXXXXXXX XXXX deceptive actions have caused extreme hardship for me and my XXXX XXXX, and I demand an immediate resolution.
Product: Vehicle loan or lease

Exeter was gracious enough to honor me with a loan on a vehicle. Which I repaid the guester in kind with making on time payments. Every single month. The car got totalled in XX/XX/2023. I spoke with insurance and Exeter in regards to process of handling the claim from both insurance and banking ends. As you see from Exeters own accounting I was never late on a payment. In XX/XX/2023 my insurance company paid 99 % of my loan off and on XX/XX/XXXX I paid the remainder of balance of {$410.00} to bring the account PIF. I paid in full even though Exeter offered me a lesser paid off amount but it would show on my credit report as " Setted for less amount ''. And I didn't want that. Exeter has reported to the credit agencies that I was late in the month of XX/XX/2023. As you see by the attached ledger provided by Exeter I PIF on XX/XX/2023. The information Exeter is providing is false. I do not want Exeter to have the ability to just pick a month they want me to be late in. I worked hard to keep them paid for the length of the loan. No matter where the payments came from I ensured that Exeter was paid. And this is how they treat a faithful customer?
Product: Mortgage

Applied for the key bank mortgage loan it took them over three weeks to get me a pre approval letter. Was given the run around from day  one from the loan officer about the status of them processing my info for the loan. Very few and far in-between call backs or email reply 's back if any at all. I had to go down two the branch and had to deal with a branch manager  to get any thing done or a response most of the time. I finally got a pre approval letter email to me. I was never furnished with any criteria for the loan requirements just told verbally that it would work on any house and what the basic criteria was for the lone. So then I start looking for a house after looking at about  10  or more finally put in a offer on one. The buyer accepted the offer so I then notified the bank that they would be receiving the purchase contract. This was on  XXXX / XXXX /  XXXX   the same day my realtor sent the paper work to the bank for underwriting. On the following morning I received a phone call from a guy at key bank saying that they got my paper work and that he needed to talk to me about my loan. So I called him back the same day and he told me that the loan officer did not no longer work for them. Then he told me that my loan would not work for the house I had a offer on that was accepted by the seller. I asked why he told me that I made to much money for the loan and I told him none of this was ever shown to me or disclosed to me. Played stupid about the whole situation and never mad a attempt to actually fix the very big issue other than just try to play it off and offer me a loan at 5 % down when the loan I should have had was 100 % financing- first time home buyers they made no real attempt to fix the issue, poor communication, no responses, and waisting lots of my time and a sellers time on a deal that was never going to happen time spent looking at houses and running around for cashers check for the deal. All to get a phone call that should have never happened all the reasons why I will never do business with key bank nor any  one  in my family. Thanks for the scummy lies, and waisting peoples time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

This is not my bill, I have tried several times to get them to remove this, I have told them I have never owned a XXXX phone, service, they have called, they have posted to all my credit reports, and within the last2 weeks posted it to my XXXX 2 times with a two week period, I have no contract with them, I am a XXXX Veteran, they call my daughters phone, at least 3 times a day, and she has changed her phone number 3 times since last year. I have told them not to contact her, this was not my bill, I am an XXXX  Veteran a XXXX XXXX XXXX, XXXX, this is causing me harm and stopping me from pursing a home.answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file.

Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC,, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts. 
I HAVE UPLOADEDPICTURES WHICH SHOWS IT ON MY EXPERIAN TWICE WITHIN A WEEK, MY TRANSUNION, MY EQUIFAX.
Product: Credit reporting or other personal consumer reports

Received notification that a new account was added to my credit report from monitoring service via my credit union. Credit Report was from Transunion. Report contained the following information : account balance {$870.00} account number XXXXXXXX  address XXXX XXXX XXXX  XXXX XXXX, XXXX , NC XXXX creditor name online information service industry type other collection agencies I have no knowledge of this company or any outstanding balance connected to the account. From the information I received wasn't sure if I should start with the complaint or contact Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, XXXX, and Experian on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit report, I noticed that Transunion is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 
XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX loan had a car note with em and voluntary turned car in couldnt afford it anymore and they had my balance from XXXX to XXXX now have it back to XXXX trying to get it removed or late payments taking off my credit report
Product: Student loan

I have a loan with XXXX XXXX with a co-signer, my co-signer filed bankruptcy and during that process I was told I could not make payments and couldn't get in info on the loan, even my online access was shut off. Now my loan payment has skyrocketed and now I can't take the co-signer off the loan because they said that broke up me not having 12 straight payments due. Now they tell me I should of demanded to put money on the loan anyway even though I have letters from them saying no access can be made to the loan.I asked multiple times can I pay and was told no.They won't even work with me on the new high payment I cant afford.The last letter I got was XXXX19 telling me I can't have any loans or communication about that loan so how can I make payments when I was told it didn't exist till after that process was done. I also got told if I wanted a lower payment then don't pay the loan for months and they will give me payment options.