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

After having to deal with Federal Code and supply the business of state courts with my XXXX XXXX XXXX XXXX XXXX XXXX ; my debt restructuring from XXXX in 2009 is today reworking the same personal accounts. 

It is financially selective or profiling about the payment processing day and amount when credit is extended. Finicky. 

XXXX XXXX and XXXX Ohio closed on an account for {$370.00} in 2009. 

XXXX XXXX has the same way of developing a debt that is never meant to be repaid because of impossible means test. I do not invoice or bill another LLC or person. 

Through positivism of law and correctional law ( informally and not as licensed XXXX ) I have developed enough to say no to the abuse and try to report to guardian on record or the courts informally. 

The abuse of process at the local courts with a XXXX XXXX XXXX is painfully and emotionally reminder of the indentured Bill of Rights as the legal tractus to survive and the THREAT of being arrested on outstanding invoices and billing or to create security for climate control is depreciating me on a daily basis.
Product: Mortgage

Navy Federal Credit Union has denied me a total of XXXX loans with no reason given other than " whatever XXXX is sending us back is the reason why your loans keep being denied. '' Navy Federal Credit Union is in collusion with XXXX to deny majority XXXX members mortgage and personal emergency loans. 

It is public knowledge that XXXX has been sued for causing tenants and potential homeowners to be denied housing. 

I believe I am also being denied housing directly due to the illegal behaviors of Navy Federal Credit Union in collusion with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 letter to equifax on XX/XX/2020 in regards to inquiries. according to the fair credit reporting act they were supposed to respond within 30 days and I still havent received a response by law they should be removed.
Product: Checking or savings account

I was involved in a scam that ultimately ending up taking XXXX $ from my Usaa account. After Usaa investigated they told me they could do nothing and Id just simply have to accept the loss as its my fault for being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name PORTFOLIO RECOVERY ASSOCIATES, Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX On record until XX/XX/XXXX This account is full of inaccuracies that violate my rights under the FCRA. This account is reporting to allow the negative reporting to stay on my report for longer than 7 years. They need to correctly update this account or remove it. Considering I am a XXXX Veteran with no taxable income they might as well remove it and move on before I sue.
Product: Student loan

I cancelled my auto debit along with putting my account into forbearance on XX/XX/2023. I received confirmation that night that my auto debit was cancelled, and no pending payments for the auto-debit were active.

On XX/XX/23 I received notification from my bank that the auto-debit was taken out of my account, causing me to go negative on hand. 

I call nelnet and they show no pending payments for the auto-debit. Then they back tracked and said you needed to cancel it 3 business days prior. I checked all the documentation provided while cancelling including the cancellation email, and none of the paperwork mentioned any of this.
Product: Credit card or prepaid card

I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed below in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$260.00} XXXX Agency Name XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$1100.00} XXXX  Account Opened XX/XX/XXXX Account Balance {$930.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, i received a notice that a new email was added to my XXXX profile. I reported that I did not do that, but when i tried to log in, I was asked to provide a two-factor authorization ( TFA ) code, which i didn't have. I then received a notice showing i was charged by Meta Pay to my credit card. I disputed the charge which XXXX was quick to help with. They told me to make sure I secure my account with Meta so it didn't keep happening. The problem is that Meta/XXXX direct you to log into your account to resolve any issues, and if you can't log in, there are no other support options. I went so far as to provide MetaXXXX a copy of my driver 's license hoping to get access to my account to secure it from further being used for scams, but even though they verified my identity, they wanted the TFA code ( which again, I can't access ). There are no options to contact anyone in any other manner, so my account can continue to be used to scam people, and I have no control over it. I also can't confirm what financial data this person my have access to given all the metadata that XXXX collects. I've reached out via XXXX as my only other way to connect, but haven't heard anything.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report AN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Disputed this account several times over the past XXXX years via phone online and Certified mail with XXXX, XXXX & Equifax
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc to experian with all the non accounts that were not mine XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the hack of Equifax on XXXX and Equifax improperly securing critical identify information, where over a hundred million people may be affected. 

Furthermore, after taking manual steps to analyze and verify my credit information, I am unable to retrieve my credit report from Equifax through the government-mandated XXXX website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Also known as name is incorrect. Middle initial is wrong.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquires that I do not recognize. 

XXXX ( XXXX ) Inquiries in Total : ( XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Please note inquiry date XXXX appears twice on my consumer credit Transunion report ) ( XXXX XXXX XXXX XXXX ; XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Product: Checking or savings account

A Wells Fargo Everyday Checking was opened on X/XX/17. Before that I have no Wells Fargo account. So there should be an opening bonus offer about {$250.00}. My application shows the checking account should be opened by XXXX XXXX, 2017, and 10 purchases within 60 days. The offer status shown it has been linked to the application. The bonus qualifications have been met. It is over 45 days after eligibility but still no bonus deposit in the account.
Product: Debt collection

This account was paid directly to XXXX, under a separate account and bill was sent to my home directly.i was told by XXXX that I could n't put XXXX in my home unless I made payments on the outstanding cell phone bill so for months I paid XXXX XXXX bills to satisfy this debt. I have called XXXX and pinnacle the company who has account and have gotten no where. I need this off my credit report as I do n't owe it. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection XXXX. Section 401.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep in mind I was a victim of fraud and identity theft, the Account is still being reported to my credit report and damaging my score daily, so the statute of this item has in no way expired.

At this point, I want an immediate deletion letter from Chase Bank.

I have a federal litigator who is ready to take this on contingency and he assures me based on the home financing opportunities I've lost, and several lines of credit I've been turned down for, that this case is worth over {$100000.00}. If this matter continues to take much more of my time, I'll simply turn it over to the federal litigator to pursue in Federal court. 

Back on the XXXX of XXXX, I sent you a frendly letter to dispute my account and Chase just ignored it, not even mark account as disputed in reports. 

Again I'm just asking for what's fair. My income is well over $ 100k a year, at this point it's a matter of principle not the money. 

I have enclosed an FTC report since 2015 and when they time made it I thought only that company had fraud relation, then I realize that there were multiple accounts fraud related and Chase is one of them. 

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

I ask you to check the information in my profile because I can not understand why I have this unknown account. As far as I remember I have never had something like this in my credit report. So it appeared recently and I do not recognize this account. Well could you please check and validate this info?
Product: Debt collection

On XXXX I received a letter stating I owed XXXX {$200.00} plus dollars for the same att account that was with pro-collect back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. XXXX XXXX XXXX XXXX. This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section XXXX XXXX DTC opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Product: Debt collection

Violation of My Consumer Rights!!! 

This is Not a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$XXXX} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10
Product: Checking or savings account

I was in an accident XX/XX/XXXX my insurance company XXXX XXXX provides a pip payment to me and I've been depositing these checks since XXXX I believe the check never came back as fraudulent or already cashed or anything to check always has been good they continuously hold my check for 5 days resulting into late payments overdrawn account and then one of their staff told me it all depends on who you are it's recorded because I called many times I have one employee help me and got my check cleared within a day or two I had one check out of all those checks that I've been getting since XXXX one of those checks has automatically been cleared in 2 days now it's back to 5 days again and I don't get the email that they're going to hold it for 5 days until XXXX in the morning I have all the emails to prove it I feel like I'm being discriminated against because I know somebody else that get payments from the same insurance company but they are of XXXX XXXX I hate to use race but this is the problem that we had with Navy Federal before I just want the same equal opportunity as everybody else that deposit checks that doesn't have any bad standing with their Bank I usually get my checks cleared in 2 days and this has been a problem and I've complained and I'm complained and I'm complained and they told me it all depends on who I am. I will make my deposit before cut off time and then I will not receive a email to like XXXX in the morning stating that they're going to hold my check for 5 days when it's the same check same exact Bank same as that company
Product: Debt collection

I am very distressed that Sunrise Credit Services has included this alleged debt in my credit report. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : I NEVER gave them any WRITTEN CONSENT or have any contract ( WET SIGNATURE ) with Sunrise Credit Services. This alleged debt listed on my consumer report has not been validated by the debt collector itself ( SUNRISE CREDIT SERVICES INC ).
Product: Credit card or prepaid card

Hello, Capital One credit card company through its CapitalOne Platinum Card is misleading consumers by offering and advertising its card as " No Annual Fee ''. 

After I am signed up to this card 5 years ago, now they are changing the agreement without even notifying me and started charging me XXXX $ annual fee. I found out about it looking on my statement. I called them, and they claim it as a " procedural issue ''. Now, that I close this card, it will affect my credit score and history. They want to waive first year annual fee after I stated that I will close my card. but I want them to roll back my card into No Annual Fee policy. 

Had I known at the very beginning, I would have not signed up in the first place. To make an informed decision, I need to know about this at the beginning, when I sign up on my agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

My wife makes my payments for me online. She usually makes the payments the day they are due or the day before. She makes the payments online. I recently looked at my account and found that I was charged late fees even though the payments were made on the due date. I find it hard to believe that it is legal for a credit card company to take my money ( payment XXXX out of my checking account on the due date and post it the following day in order to charge me a late fee. Is this legal? I want them to credit my account all of the late fees they have charged me in the past year.
Product: Checking or savings account

My bank recently went from XXXX XXXX Bank to Truist.. while with XXXX XXXXXXXX XXXX my Account would consistently have funds deposited direct through my husbands work. Same amount, bI weekly. The bank knows this so they would put our payments through should we need it. Without a fee. Keep in mind I have been with this branch for more than 20 years. It changed three times since I opened the acct however some or most of the people I dealt with remain. Truist made me click a box saying I want overdraft protection. They have charged me {$1200.00} since XXXX XXXX XXXX. They charged {$36.00} XXXX XXXX times. They are taking complete advantage of us during a very difficult time. That is ludicrous. Im not able to cover my draws because they are taking my funds! Its put me negative {$200.00}, XXXX etcwe each week. if I had my {$1200.00} they charged I wouldnt be having any issues please somebody help me get my money back. Thats a lot of money they charged. We are having trouble catching up since my husband lost his job during Covid..this has caused irreparable damage financially. Its literally causing us to be negative and stuck in this never ending doom of overdraft XXXX. Please help.. this is not right, not a good way to do business or a nice way to keep clients .. thank you. XXXX XXXX
Product: Credit reporting

name is misspelled wrong last name Correct name XXXX XXXX not XXXX