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

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The XXXX banking agencies, the XXXX XXXX XXXX XXXX, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer. 
Please update to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX, I contacted Atlantic Union Bank via live chat, for documentation purposes, and asked for a letter explaining each overdraft fee in the last six months, with attention to fees that accrued overnight, in which no further purchases were charged to the account. I was told by their employee XXXX, that no such letter can be provided. 

In the last six months I have been charged {$1000.00} in overdraft fees. Over the last 12 months that total has been over $ XXXX. I was previously part of a class action lawsuit that has since been settled, but my concern continues as I believe they are wrongfully charging overdraft fees blindly, even during Covid. 

Their phone app is critically behind on account updates, which is another cause of over spending on behalf of the customer. Other bank account balances are updated within minutes. The account balances on this app are delayed and can lag up to 48 hours plus. At this rate, by the time you are aware of your actual balance, you are behind, and it becomes nearly impossible to catch up. 

I have documentation of the conversation with the representative from XXXX XXXX which I can provide upon request. I am providing the overdraft amounts from the last six months below : XX/XX/XXXX- {$110.00} XX/XX/XXXX- {$110.00} XX/XX/XXXX- {$38.00} XX/XX/XXXX- {$220.00} XX/XX/XXXX- {$190.00} XX/XX/XXXX- {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX from victory mortgage company ran my credit without my authorization ( from an old application from a year ago ) for someone else that was applying for a loan they said he was my husband so they conjoined our applications and information but he is not my husband I didnt even know this person and ask why didnt they call me to confirm this.. Then they lied again and changed their story. All the while lifelock was on the call as well. My application should have been closed from a year ago due to me deciding not to get a loan from them because of the bad reviews I saw during that time But I see they never closed it they kept it open all this time, I havent been in contact with this company until now regarding the alerts to my lifelock account. The lady from the company said they would reverse it. I called XXXX, XXXX and XXXX to put a freeze on my credit file. On XXXX I reported this to the police, and now Im reporting it to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019, Sequium Asset Solutions , LLC, a collection company, account appeared on my credit report for {$500.00}. I contacted Sequium regarding the debt and learned it was for a Spectrum cable account for service at an address in Texas that was never paid. I have never lived in Texas and I have a XXXX  account at my home in XXXX XXXX in good standing. Sequium referred me to the original creditor XXXX aka Spectrum. XXXX aka Spectrum reviewed the account and determined it was fraud and issued a deletion letter for the account to be removed from my report. I submitted the deletion letter with the dispute to the collection account and it was dispute returned that the account was correct and not to be removed. I called Sequium and they said they advised the bureaus on XX/XX/XXXX to remove the account. XXXX denied receiving correspondence from Sequium to remove the account. XXXX said Sequium collection company is the only one that could authorize to remove the account-they are the name on the credit report. The account is a fraudulent account which has really decreased my credit score. I am stuck between the collection company and the original creditor.
Product: Prepaid card

My last complaint requested some explanation for the fact that I am being held responsible for all the charges on my account AFTER REPORTING THE CARD STOLEN. I didn't get any insight or explanation from the bank at all. 

They refused to investigate the negligence and any errors committed by the representative. 

And breaks several federal and state laws holding me responsible for Bank of America negligence.
Product: Debt collection

My loan servicer is Navient XXXX formerly XXXX XXXX XXXX. When XXXX XXXX changed to Navient, Navient began frequent, repeated and extremely excessive phone calls to phone numbers that I did not provide to them for communication purposes in order to collect payments from me. The calls began after I communicated with them that I recently graduated and was unable to make the monthly payment at the current time. They call every day, XXXX days a week, all times of the day. They began calling from one number, then they started using another number, I suppose to surprise me. I also receive a letter from Navient every day in the mail. In addition, Navient contacts one of my friends looking for me ; I do n't know how they got this friends ' contact information but this friend is getting repeated calls and voicemails from Navient looking for me. This manner of collection is extreme, outrageous, excessive and it is interfering with me being able to live life.
Product: Vehicle loan or lease

I have been with Westlake Financial Services since XXXX, last month due to fraud on credit cards, and payment arrangements payments disappeared from the system, due to system fraud put me behind, make two payments one {$140.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX, owed {$93.00} left for XXXX, XXXX says past XXXX told the lease company will catch up in XXXX, for XXXX, I explained medical issues XXXX very rude representatives, told me will repossess a vehicle if you owe {$20.00} People have rights or do they?
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

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 an 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 7 years. 

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

I completed a real estate transaction on XXXX XXXX. I had a business wire sent to Navy federal credit union on XXXX XXXX. For the amount of {$730000.00}. The funds were marked as available for immediate use. I used the funds for business transactions and my account was flagged on XXXX XXXX and an investigation started on XXXX XXXX. There is now a permanent restriction on both my business and personal account, even though they said the accounts are two separate entities. Navy federal said they were trying to source the funds from the wire. The other banking institution said they have already responded and confirmed where the funds came from. Navy federal would not confirm the information. I have not received any valid information since as navy federal has been avoiding answering my questions. I am not asking for specific details of their investigation. 

I have requested written statements, a proper consistent time frame as well as my remaining funds as they complete their investigation. There is no fraud or suspicious activity taking place. The only reason Navy Federal gave me was my account demonstrated activity that is outside of their level of risk. 

I have called every day and received a different response every time. I have had representatives tell me they were putting information in the notes and never did. This was in regards to providing a provisional credit for my personal account for the amount of {$4200.00}. When I called again, a supervisor by the name of XXXX said there would be no provisional credits provided as Navy Federal sent the funds in my personal account back to my business account. 

UCC 4A-404 & 4A-502 state that if a bank accepts a wire transfer and credits the funds to your account, you have a legal claim to those funds unless there was an error or fraud. The funds were marked available for use initially and I have a legal right to those funds unless fraud is proven. 

UCC 4A-502 : Creditors Rights to Funds in a Payment Transaction A bank can not reverse a transfer or seize remaining funds unless there is a legal basis, such as fraud, error, or a contractual right ( e.g., right of setoff ). 
Once a transfer is completed, the recipient generally owns those funds, and the bank should not be able to withdraw them arbitrarily.
Product: Debt collection

Debt collector : Portfolio Recovery Associates, LLC Amount : {$860.00} Account number : XXXX Fraudulent account opened by a family member in my name when I was XXXX/XXXX years old. I am now almost XXXX and have been battling to have this unauthorized/fraudulent account removed from my credit report since I was XXXX. Originally creditor was XXXX XXXX. 
I have submitted fraud affidavit paperwork requested by PRA twice and in return they send me letters claiming the debt is valid and include a statement for the account from XX/XX/2012. 
I was married right after I turned XXXX and gave never opened up a line of credit in my maiden name. 
PRA has not validated this debt once in the entirety of their collection efforts, they send the last bill given to them via XXXX XXXX and say it's validated. They have not investigated this account and I've disputed it more times than I can count and they refuse to budge. They have once again sent me another fraud affidavit as well as another copy of the final statement from this account. 
It is causing wrongful damage to my Fico credit reports and scores.
Product: Credit reporting

Years ago I lost my purse that contained a lot of pertinent sensitive information. I have XXXX hard unauthorized credit inquiries from XXXX ( in 1 year! ) and an unauthorized hard credit inquiry from XXXX XXXX XXXX on my TransUnion credit report. I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other. As I have been consistently checking on this I noticed that in XX/XX/2016 on my TransUnion credit report these items had been deleted but reinserted later on without giving any notification. I spoke with the TransUnion supervisor informing them of this and they stated that it was a glitch but informed me that I still would have to speak to the creditors to get a letter of deletion before hanging up on me. I would like for this to be permanently removed from my credit report due to reinserting it back on my account and being an unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credirt report is reporting inacurate information on my credit report. It is reporting a Honda  XXXX Finance Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to XXXX XX/XX/XXXX XXXX has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.
Product: Debt collection

I received your response to my complaint that was made through the CFPB ( Case # XXXX ), that I have attached to this complaint. As a consumer, I have a right to ask the following questions and request the following documentation regarding the investigation of this alleged account. 

Your company stated that there is not a signed copy of an application for this alleged account, but you were able to verify the account due to alleged contact information that has been linked to me by public record. As stated in previous disputes with the credit reporting agencies, which you have acknowledged in your response this account was opened fraudulently. Can your company explain in detail how you think finding alleged information about me on public record is considered as a burden of proof? 
The alleged information that you have received from public records to verify that this alleged account is mine, is incorrect. Please provide a signed agreement that I have made with your company, or other verifiable proof that I have a contractual obligation to pay your company. 
You have also stated that you verified that the alleged social security number and date of birth that you have on record is mine by my credit report. Are you implying that both you and the CRAs discussed my nonpublic personal information as an attempt to verify this fraudulent account? 
Your company also stated that on XX/XX/XXXX, you placed the account with XXXX XXXX. Was this debt assigned to that third party debt collector or purchased? 
If this debt was purchased, how much was the debt purchased for? 
Your company has also stated that on XX/XX/XXXX this account was charged off. Have any insurance claims been made regarding this alleged account? 
Your company has also stated that on XX/XX/XXXX, you received a payment from me to settle this account. Who made this payment? How were you able to verify that this alleged payment was made by me? 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please also verify that you know and understand that contacting me again after the receipt of this notice without providing procedurally PROPER validation of the debt, constitutes the use of interstate communications in a scheme of constructive fraud. 

Authorized Signature of Creditor : Date :
Product: Mortgage

Specialized Loan Service ( SLS ) is robo calling my home at least 5 times a day with a non responsive message asking if I am affected by the California Wild Fires. I have tried to call their offices to ask them to stop calling me. I am not affected and all they need to do is look at my address on my loan and know I am not in the county of any fires. They have all this information yet they are harassing me with these calls. How can I get them to stop?
Product: Debt collection

I would lie to dispute this becuase it is harming my credit score and i am unaware of who this company is
Product: Debt collection

I paid this collection company due to the fact that I did not recognize a debt that they were reporting on my credit report. I sent the company a letter requesting validation that was delivered on Monday, XX/XX/2019 ( XXXX Tracking Number XXXX ). I've attached a copy of the letter requesting accurate validation of this debt and indisputable fact the debt is mine. My payment on the account did not confirm ownership of this unknown debt, nor did they provide me with any sort of verification of the debt. I have not heard from this company and the debt is still being reported as " settled/paid '' on my credit report. Please stop reporting this unvalidated debt from all credit reporting agencies ( XXXX/XXXX/XXXX ) and/or provide me with valid " wet ink '' validation of my signature on an *original* document associating me with this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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: Credit reporting, credit repair services, 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 : M XXXX & Account number : XXXX has violated my rights. Or list of inquiries 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: Consumer Loan

I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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

I HAVE CONTACTED EQUIFAX AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE MEDICAL AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING MY MEDICAL RECORDS TO BE RELEASED THEREFORE THE COMPANIES WOULD BE IN COMPLETE VIOLATION OF HIPPA AND SO WOULD YOU. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed.
Product: Debt collection

They send me emails every other week or month about the debt owed. Numerous phone calls, theyve said you can be sued, impact credit if you dont pay now, you cant make a payment plan it has to be paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it ma concern ; I have mailed multiple letters to all the CRAs on XX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXXand replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX  XXXX ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effectiveXX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency has reported an unauthorized credit inquiry onto my Credit profile.