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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

XXXX XXXX XXXX : Account number XXXX XXXX XXXX : Account XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a round of letters to each credit reporting agency ( XXXX, XXXX  and Experian ) requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I send a request for investigation to TransUnion. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes XXXX XXXX  No Changes XXXX  XXXX XXXX  No Changes XXXX XXXX XXXX  ( XXXX ) No Changes XXXX XXXX  No Changes XXXX XXXX XXXX Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, XXXX XXXX XXXX. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX   XXXX  XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.
Product: Debt collection

Debt appeared on my credit report on XX/XX/2022, in the amount of {$1400.00} and I was not notified to dispute NOR do I have any knowledge of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ). These accounts and inquiries were fraudulently opened or made in my name as a result of the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

It comes time to start paying my stu dent loans. Navient is handling  my student loans, and after mailing them a check they took the money, and did n't attribute it to my payments. Effectively stealing my money. The money disappeared  XXXX / XXXX / 17  Check #  XXXX   ( Converted ACH ) NAVIENT CHECKPAYMT {$140.00}. All I see when logging in is capitalized interest with " no payments '' ( trying to steal more money by means of interest it seems ). I t ried calling them on  XXXX / XXXX / 17 , and was told by a representative that I sent the check to the wrong office. I was also told they would send the check back to me. Even if they do send the check back, they have still taken the money. I have no idea what to do.
Product: Debt collection

Amerassist have been aggressively attempting to collect on behalf of XXXX XXXX XXXX for XXXX XXXX XXXX This company has assumed the role of furnishing information that has not been validated to the Credit Repoting Agencies. Furnishing XXXX years worth of late payments has caused me stress and XXXX XXXX. This company has also mailed a unenforceable contract without a wet signature declaring it was the legal proof they needed to provide they had the power to collect on behalf of XXXX XXXX XXXX. I attempted to reconcile the issue with Amerassist by making a phone call. The representative who answered had no knowledge of the proper collection activities the company must adhere to according to the FDCPA. She yelled and demanded Oh you owe this debt, you used it and you got to pay, oh yeah you can say what you want but you owe. That clearly an unlawful attempt to coerce me into paying the alleged amount.
Product: Student loan

For three years, Navient/XXXX XXXX has put my loan of roughly {$40000.00} in a forbearance because my salary at that time barely reached {$23000.00} without giving me an option of a low repayment when I applied during those three years for the Income-Based Repayment plan. Now, I am at a new job that almost tripled my salary and when the time came in XX/XX/XXXX to reapply for my repayment plan, the only option it allowed me to select was IBR again, even though I knew it would be rejected and that I was ready to apply for the Graduated Repayment plan. So I reapplied for the IBR and the next thing I received a few weeks later was a summary of my loan and saying that once again, I owed nothing. All of the sudden, in the week of XX/XX/XXXX, I received a bill from Navient telling me that I owed {$460.00} by XX/XX/XXXX -- no prior warning and no reason given why. I called them immediately and they told me I was denied for the IBR, but I received no letter and no e-mail telling me this information and offering me to apply for a different plan. I told them to put me into the Graduated Repayment plan over the phone. A week later, I received a letter telling me the information of what my payments will now be over the timeline of the loan, but now, with my first payment due next week, I have yet to receive the bill. I 'm trying to buy a house in the next few years and I am concerned that since they are either not sending my important information and bills or delaying these items, it will cause me to hurt my credit score since they wo n't receive their payments on time. This is unfair to me, who has been repaying three other private loans the last four years and I have NEVER been late on a single payment.
Product: Credit card or prepaid card

I have no knowledge of this account. I am an XXXX XXXX XXXX XXXX and during the time this account was opened I was on XXXX. 
I have opened a dispute with CitiBank and emailed their Corporate Offices and have received no response. I am currently in the process of buying my first home, and these late payments are the only detrimental items currently reflected on my credit report. 

I hope that you will deeply consider my request and I thank you for your time in advance. 

Very Respectfully, XXXX XXXX, XXXX, XXXX.
Product: Debt collection

Creditors Bureau Associates   XXXX   XXXX   XXXX   XXXX   notified me approximately  one ye ar ago that I have a debt related to   XXXX   XXXX  . They stated that I could request evidence that the debt was mine if I did n't believe I owed the debt. I submitted the paper requesting such evidence but never received anything from  CBA prov ing that I owed the debt. I received two more dunning letters the latest dated  XXXX / XXXX / 2017 . I wrote a letter to the  CBA  on  XXXX   XXXX ,  2017 , asking again for evidence that the debt is mine but to date, I have not received anything in response.
Product: Student loan

This account has been on my credit report for over 9 years, Its too old and its causing my credit report to be in the low 500 's.
Product: Credit card

On XXXX I signed a contract for XXXX XXXX XXXX to pick my boat up on XXXX I provided pictures of the boat and a description ( year, make, model ) XXXX told me that they would do everything needed to get the boat transported to me. XXXXXXXX XXXX  showed up with a insuffient truck/trailer and were unable to move the boat because they didnt want to remove the radar arch, even after XXXX assured me their movers could do it as they are in the business of moving boats. After more then a week of excuses as to why he couldnt get my boat moved, I have multiple text messages from him as evidence which can be provided upon request, I hired another company ( I have the invoice ) to move the boat in a timely manner. That company picked the boat up on XXXX. As per the document I signed with XXXX XXXX I am entitled to a refund because they never scheduled a date, please see attached " confimationorder ( 1 ) '' " Deposit is refundable if for whatever reason said customer chooses to cancel the shipment of their vehicle BEFORE they are scheduled with a carrier '' I disputed the charge on XXXX on XXXX AND XXXX Bestbuy Citibank sent me letters saying the dispute was decided in my favor then on XXXX they rebilled my credit card for the {$1200.00} and I am unable to dispute this charge again.
Product: Checking or savings account

On XX/XX/XXXX I opened a 10 month CD with a stated APY of 1.10 % and stated interest rate of 1.094 %. On that same day, I funded the CD with {$120000.00}. On XX/XX/XXXX I received a letter stating that the CD would mature on XX/XX/XXXX and that the estimated balance at maturity was {$120000.00}. Based on simple math ( i.e. ignoring the impacts of compounding ), I felt the balance at maturity was understated. My simple math was as follows : {$120000.00} initial balance x 1.094 % interest rate/365 days per year x 306 day term ( XX/XX/XXXX through XX/XX/XXXX ) = {$1100.00}. Based on that math, I felt the balance at maturity should be at least {$120000.00} ( {$120000.00} initial balance + {$1100.00} interest ), which suggests to me that the balance at maturity I was provided was understated by at least {$270.00} ( {$120000.00} per my math less {$120000.00} provided by Marcus ). On XX/XX/XXXX ( i.e. the day I received the letter ), I called Marcus Customer Service, explained my concerns and requested that they provide details as to how they derived their figure. I spoke with a gentleman named XXXX and ultimately asked to speak with his supervisor ( XXXX XXXX. Both told me that they could not provide specifics about calculations for my account. However, they said that they would submit a request and that someone would get back to me within two business days ( either by phone or email ) and provide me with a day by day summary of their interest calculations. It has now been four full business days and I have had no response. With that as background, my request is to either get supporting detail for the {$120000.00} balance at maturity they provided or to acknowledge that their calculations were incorrect and to provide me with corrected ones.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2024, I reported a fraudulent wire transfer of {$57000.00} to my bank, XXXX XXXX XXXX XXXX and to the receiving bank, Truist. Truist 's fraud department confirmed the wire transfer funds were received and available but refused to freeze the receiving account. On XX/XX/XXXX, Truist responded on the 7th day of being notified by our bank of the fraudulent activity, confirming " opening a line of communication. '' According to our bank, they were given 7 business days to replace. Our bank has stated they get another 60 days to fill out paperwork confirming funds are available, etc. This is negligence from the banks and are treating this with zero urgency. The funds were there when they were notified of the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.
Product: Debt collection

I was a victim of fraud on my business account in the amount of $ XXXX Navy Federal Credit union is being investigated by cfpb for their conduct and failure to act in a proper fiduciary manner and refused of accept the determination by law enforcement and has continued to block a resolution. On XX/XX/XXXX i contacted collection and was advised that a Stay was on this account until cfpb completed its investigation. I received a letter from NFCU collection dated XX/XX/XXXX and postmarke XX/XX/XXXX advising me that unless i made arrangements with them regarding the balance of the debt $ XXXX that they would close the account. They closed the account on XX/XX/XXXX despite both the Stay and that they sent it after the deadline. I received this letter on XXXX this is an intentional breach of proper notice as well as mail fraud. My account is in collection and all of my correspondence '' evidence '' has been deleted by NFCU as well as I have no access to the account to do my XXXX taxes. I have been disconnected by NFCU in the last 24 hours 5 times. Account XXXX XXXX acct # XXXX. NFCU should reinstate the account until the investigation is complete and at that point if I have any liability I will address that. The damage to my business reputation credit worthiness and the failure on NFCU to their fiduciary obligations and legal protocol is unprecedented. They even took my unemployment payment and refused to provide me a list of protected funds. Help
Product: Credit reporting or other personal consumer reports

I recently looked at my Credit report XX/XX/year>. I saw some hard inquires that do not have permissible purpose. I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I request that you promptly remove this unauthorized inquiry from my credit report. 

Below, I have provided details of the unauthorized inquiry : XXXX XXXX XXXX XXXX , Date of inquiry : XXXX XXXX XXXX, XXXX, XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX , Date of inquiry : XXXX XXXX XXXX  XXXX , Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX , Date of inquiry : XXXX XXXX XXXX XXXX  XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX , Date of inquiry : XXXX
Product: Debt collection

I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and XXXX XXXX address only a XXXX XXXX XXXX However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
Product: Credit card or prepaid card

Because I work XXXX  a lot I get on the phone and call Capital One almost every month to deal with the issues of logging on, and my wife XXXX takes over with my permission. The calls almost always disconnect. I could not make a payment for a week this time and incurred a late fee. This will be reversed or I will reach out to the FDIC. There is no excuse for not being able to log on using my CVC code, it would not let me and my password is saved in the computer so there is not excuse why it doesnt work every single month and has to be changed. 
Called today and got disconnected but finally got into the account to look at my account. 
After 45 minutes on the phone the call dropped. It always drops.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified Equifax of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Equifax submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by way of state, local and federal information obtained through a third party, XXXX XXXX. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Equifax claims to have verified. 
After receiving the verification from Equifax, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Equifax 's assertion that the public records were verified is dishonest.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Repeated calls from Convergent Outsourcing telling us to call them at XXXX XXXX XXXX. This company is a scam artist known for trying to collect false debts. I refuse to answer and am tired of the repeated messages left on my answering machine.
Product: Credit card

Being wrongly sued by Discover Bank and debt collecting attorneys XXXX XXXX for unsecured debt that does n't have any of the following, but not limited to, original contract, terms, incorrect balance, libor rates, lack of standing of plaintiff, etc Please look into this harassment and intimidation letter sent by XXXX XXXX XXXX on behalf of Discover Bank and request all civil action be dropped immediately. As well as report complaint against XXXX XXXX attorney at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Midland Credit Management keeps trying to put this debt which is oldr than 10 years on my credit bureau report to ruin my credit. Midland Credit Management is sabatoging my credit and trying to reduce my XXXX  score and credit history. They should be put out of business for these tactics.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to use XXXX with my bank Capital One to send funds to my daughter. I entered my daughter 's email and XXXX accepted it and took money out of my account. Afterwards it realized that the email address was not registered and now it will take 3 days before the funds are transferred once the email address is registered. How about they check the email address before taking the money from my bank account? 

When I called to cancel the transfer and get my money back so I could use another transfer service they said it was not possible to cancel the wire transfer.