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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XX/XX/XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once XXXX. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXXXX/XX/XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account XXXX : XXXX I had no late payments made on this account. I paid this account as agreed 9. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 10. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation 11 XX/XX/XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Luxury XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX Affirm XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX  15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. section604 15U.S code 1681B, Section605A 15U.S code 1681C-1, Section 605B 15 U.S code 1681 C2
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 120 days late in XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XX/XX/2020, and XX/XX/2020.
Product: Credit card or prepaid card

Contacted Cash App after debt/credit card opened in XX/XX/XXXX. Reported unauthorized card opened on behalf. Contacted Credit Bureaus. Sent documentation of account opened account to Cash App. Again in on XX/XX/XXXX Cash App credit sent to my address, without authorization.
Product: Debt collection

XX/XX/2021 {$260.00} {$260.00} Ive disputed this collection multiple times, yet it has not been deleted as well as being on my report twice. National Credit Systems has furnished inaccurate information to the credit bureaus, and the credit bureaus have furnished inaccurate information to my consumer report without thorough investigation or my consent. This collection is on my report twice, and is in-fact incorrect. This was a joint account, the application fee & administrative fee were PAID, we were denied due to a background check, yet they are saying we owe something for moving out before a term was up when that never even occurred!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX account was placed on debt management program XX/XX/2016. Account has XXXX parts : pay in full and pay over time. Only pay over time was allowed to be on debt management. I was unable to pay the balance of the pay in full portion after entering the debt management program - had no extra money. The payments from the debt management program were applied to the pay in full portion of the balance until the balance was XXXX out. However, the credit report shows that this account was 'closed derogatory ' - which is incorrect. XXXX sent a letter saying the account was closed because it was put on a debt management program. Also, the 'latest status ' on the credit report shows 'collection/charge-off '. There are additional comments " charged off as bad debt. Managed by credit counseling ''. The implication is that the balance of this account has been unpaid and was turned over to collections. This is incorrect. I was NEVER contacted by a collections agency. The payments from the debt management program have been made every month, starting XX/XX/2016. The terms of the payment plan were set out by XXXX. The unpaid balance for pay in full balance has been paid in full. For every month that the pay in full balance was n't paid, XXXX applied the agency remittance to that balance, but reported the account as late to the credit reporting agencies. 
Once that balance was paid, the pay over time balance began to get paid down, and is what is being paid now. 
When I contacted XXXX about the status as 'charged off ', I was told that it was because of the late payments reported for pay in full, the account would remain as 'charged off ' until the balance was paid off. 
I have attached some documents : XXXX letter about how they do the debt management program. It states that the account in the debt management plan would not be given a derogatory status if the payments came on time - which they have. The part of the account that was not allowed to be in the program should n't affect the status of the account that IS enrolled in the program. ; there is the letter from XXXX stating that my account was closed because I was enrolled in the debt management program - not due to late payments, as shows up in the credit reports ; there also are statements from XX/XX/2016 that show that every dollar paid for the debt management program was applied to the balance that was NOT allowed to be in the program, until it was paid off ; there is a copy of the pages of the Trans Union credit report about this card. 
The inaccuracies in how this account has been reported gives a very negative assessment on an account that in fact has been getting paid every month on time since XX/XX/2016 when the debt management plan began.
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 were transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, were 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 reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX  BANK XXXX XXXX Balance : {$570.00} XXXX BANK XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} Medical XXXX Balance : {$320.00} Medical XXXX Balance : {$280.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00}
Product: Debt collection

This collection account is paid in full and should no longer be on my credit report.
Product: Debt collection

Reporting on my credit profile as a derogatory collection account. Without proving that the account was mine.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt Collector, DISCOVER Bank has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Mortgage

I've had my mortgage with SunTrust Mortgage bank and they merged with Truist this year. I received a letter from my insurance carrier that my insurance due in XXXX wasn't paid. I tried to call the phone LISTED on my statement and patiently went through all of the prompts to get to the insurance/escrow portion of the " press 1 navigation '' and it said I was being transferred and the another recording come on that said this number is no longer is service and gave me another number and the message said the number so incredibly fast there is no way I could write down the10 digit number, the number wasn't repeated and my call was ended. I heard the first 3 digits of the phone number that the speed reader said and the prefix ISN'T on my statement., the number I called is. Of course TRUIST is closed on the weekend which I think is horrendously bad service because I can't get to a phone where I can spend 20 minutes navigating something that's clearly Truist 's fault. I've had the same insurance company and lived in the same house for 22 years, I've never missed an insurance payment. When you merge with another lender you should be better than this and make sure the numbers on the statements are correct. I live on the XXXX XXXX - their customer service hours don't work half of the United States- we are all on the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name Is XXXX XXXX and I am filing a complaint against LEXISNEXIS for committing identity theft & Fraud. I have never given LEXISNEXIS permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT LEXISNEXIS would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give LEXISNEXIS neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and LEXISNEXIS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was completely caught off guard this morning when I discovered inaccurate accounts on my credit report. This is something Ive never encountered before, and I have no explanation for why it happened. I checked my credit report, expecting everything to be in order, only to find unexpected discrepancies. Refreshing my browser didnt change anything, and the inaccuracies were still there. XXXX pleading for a thorough review of the documents Ive submitted to ensure I never have to deal with such a situation again.
Product: Checking or savings account

This is my second complaint against Citibank. The initial complaint was simply trying to " unlock '' my account. This complaint is in regards to a separate issue involving trying to close the same account. 

I am trying to close my Citibank Accelerated Savings Account. I opened the account on or about XX/XX/XXXX. Subsequent to XX/XX/XXXX I have not made any deposits or withdrawals from the account. In the course of time I received numerous notifications from Citibank that my account had been locked due to " inactivity. '' As this is a traditional savings account I did not respond or engage in any " activity. '' Recently I tried to close my Citibank Accelerated Savings account. I was informed that my account had been locked due to " inactivity '' and that I was not allowed to close, withdraw or transfer any of my money w/o going through a lengthy onerous process of re-activating/unlocking my account : drive to nearest branch ( I live in CO - nearest Branch is in XXXX XXXX XXXX or send them a notarized letter ( closest Notary is 30 miles & charges a Notary fee ) via snail mail and wait. 

Locking my savings account due to inactivity WAS NOT disclosed under the Terms of opening a savings account - I specifically inquired about this prior to opening the account. I have a copy of the original Terms of the account upon opening. There is no language referring to " locking '' an account due to inactivity. 

In addition, the Citibank Website states : If you ask for my personal and financial information and I don't provide it will you place restrictions on my account? 
If we don't receive the requested information, we may restrict your accounts.

For checking, savings and money market accounts, you won't be able to make deposits, withdrawals or transfers. Those transactions will be denied or returned. YOU MAY STILL CLOSE YOUR ACCOUNT. ( emphasis added ) In short by your own statement I should be able to close my account w/o providing the personal & financial information requested to " unlock my account. '' Unlocking my account and closing my account are two ( 2 ) separate issues! Without disclosing that you would close my account due to inactivity YOU closed my account and now YOU impose the requirement of providing personal & financial information to unlock my account in order to close my account- which is ILLEGAL and in contradiction to what you state on your website! 

As much a Citibank may attempt to justify this behavior under the aegis of " know your client '' and trying to ensure the security of my account by denying or encumbering access to my account w/o prior full disclosure IS ILLEGAL. Verifying identity is a simple and expedient process in today 's world. I have confirmed this with my Fiduciary as well as legal counsel. I have no problem with verifying my identity by providing either by telephone or on the Citibank website the answers to the security ( or any other ) questions essential to verify my identity. But I WILL NOT drive to XXXX XXXX or get a notarized letter.
Product: Mortgage

XX/XX/2020 my home burned to the ground in the California XXXX XXXX. At that time my mortgage holder was XXXX Bank. My insurance company paid funds for the rebuild to XXXX who released money to us for permits, grading, getting water running, blue prints, soil studies, etc. There is so much to be done before a nail ever sees wood. Our mortgage was then purchased by Rocket Mortgage who received our insurance rebuild funds. Initially, XXXX determined that we did not have enough money to rebuild. I'm not sure how they determined that as they never saw any drawing, blueprints any type of document that you would need to make a cost determination. We argued with them about that and now they are refusing to release funds but say now that they will reimburse for payments. This isn't a washing machine or car we are talking about - a house, our house. We are not in a financial position to fund the rebuild and be reimbursed. We don't have the funds ( we just kind of lost everything ). Plus I do not trust Rocket to reimburse, they have been so confused and inept so far. The person who is working with us seems to have a general lack of understanding of any processes. But more than anything the money from the insurance is to rebuild our home.