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

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2018, I found myself in financial distress. I foolishly logged into the XXXX XXXX website and requested an online payday loan. I was matched with www.mypaydayloan.com. I completed the application for a {$300.00} loan, then changed my mind and contacted this company to revoke the application. They deposited the funds despite this request. I left it alone figuring a company linked to XXXX XXXX would be reputable. On XX/XX/XXXX, my first payment was deducted automatically from my checking account in the amount of {$90.00}. I logged on www.mypaydayloan.com to check my documents and found I could not access anything. Because that triggered my instincts, I revoked the ACH authorization. This " company '' then began threatening me. I emailed this company on XX/XX/XXXX, XX/XX/XXXX asking for a mailing address and requesting that the threats cease. This " company '' continued to refuse to provide a mailing address and demanded my debit card number. I requested a mailing address AGAIN on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX , the " company '' again refuses to provide an address. I requested again onXX/XX/XXXX. They again refused. I requested again. On XX/XX/XXXX they disclosed that they are in XXXX XXXX. On XX/XX/XXXX, they threatened to sue me for {$25000.00} if I did not remove complaints I filed against them. I again asked for an address. I need help. I have attached all email correspondences.
Product: Debt collection

Wells Fargo Bank lied about purchasing my Mortgage loan debt with their recording of the Assignment of Deed of Trust on XX/XX/XXXX, and had the document recorded at XXXX XXXX Register of Deeds, as it said on the document that it paid value for the Mortgage loan. 

Wells who not entitled to perform a non-judicial foreclosure as it did not hold the Mortgage Note as a party that was owned a debt and was at the time holding the Mortgage Note for XXXX XXXX as the custodian of records and not as debt holder. 

Wells misrepresented to the State of Nebraska that they held the debt but in fact was not owed a debt and could not collect for XXXX XXXX who after the fact they said they were working for to collect a Mortgage debt that XXXX XXXX did not purchase any Mortgage debt as they never extended a loan or purchased Mortgage debt. 

XXXX refuses to provide proof of paying value for the Mortgage loan and their bogus claim that they used in claiming that they purchased a loan from XXXX XXXX on XX/XX/XXXX, to remove the Mortgage loan from the XXXX XXXX XXXX has nothing to do with real estate as the property at XXXX XXXX XXXX XXXX XXXX was illegally sold on XX/XX/XXXX, which no assignment of deed is available because no property is involved as it was extinguish 11 days prior! 

Because neither XXXX XXXX or Wells Fargo Bank had ever paid a value for the Mortgage loan that neither paid monies for or originated so a non-judicial foreclosure is not available to either XXXX or XXXX and did not possess the to foreclose as neither was owed a debt from me! 

XXXX refuses to provide proof of purchase and the fact that they were the custodian of records for XXXX XXXX did not make them Holder in due course, but only the holder of the Mortgage Note for XXXX XXXX who is prevented by US Congress from buying or selling a Mortgage loan! 

Where is the proof of a sell of the Mortgage loan to Wells Fargo Bank as stated in the Assignment of Deed of Trust recorded on XX/XX/XXXX?
Product: Debt collection

XXXX is claiming that I owe them {$2500.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and XXXX. I have a excellent payment history. I am XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency continues to report a middle initial ( i.e., XXXX XXXX XXXX  ) which, in my lifetime, have never used.
Product: Credit card or prepaid card

Comenity Bank in XXXX, Ohio collections harassment. Calling using robo calls 15 times within 2 hours and outside of hours when they are allowed to call. This bank needs to be put on notice and fined for excess collection practices. My account was {$62.00} past due. They are in direct violation of the collection practices under US law. They are calling from XXXX and this is harassment. I would like them fined for all the harassment.
Product: Vehicle loan or lease

I was out of town a week ago and CarMax had my car repossed. It was picked up and it left me stranded 3 hours from home. They told me that I had 17 days to pay a little over {$2100.00}. There is no way that I can get this much. If I had it, it would have never gotten repossed. I have been trying to call for 3 days now to ask if I could at least pay {$1400.00} to get my car back. I have been on hold for over an hour. I can't just sit on hold at work because I have a job to do. I do not know any other way to get in touch with someone. I really need my car back and do not time to run out because I can't get anyone on the phone, I need someone to call me and work with me.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX I purchased a Storage Shed online at XXXX for the amount of {$99.00} shipped to a new address due to I was moving to that address the landlord advised that I was not getting the home due to another family got the approval before me. on XX/XX/2020 at XXXX I send an email to the merchant as what there return policy explained they did not reply only with the shipped tracking number XXXX I wrote to them again and did not responded back to me. I started a Claim with my bank, Bank of America, banking is a rip off they don't do their investigations in time. anyways I did not responded to them on time they closed the claim on XXXX due to missing documents or a reply back. when I didn't received a notification on time. I was in the middle of a move when they closed it. when I noticed I called very patient and understood my fault. I send all documents in XX/XX/2020 paid {$31.00} for them to receive all documentation and they can close the claim fast. I called them on XX/XX/2020 at XXXX and they confirmed it was received and processed to the merchant to reply back. asked what is the timeframe. they advised 90- days since the claim was re-opened. not its been more than 90 days and they want me to wait other 45 days because they send requesting more information from the merchant on XX/XX/XXXX, XXXX how is it that legally is 90 days for a Bank claim department XXXX close a claim and then now I have to wait 45 days it is not fair since I did want I needed to do to get the claim processed. XXXX the supervisor is going in circles and won't help expedite this process and she is only saying that the procedures is 90 days but because they send the documents to the merchant on XX/XX/2020 I have to wait another 45 days. from my understanding under FDIC law indicates that the merchant has 45 days to reply within a 90 days frame. she said that is not true. and that their procedures are different. from what understand they have to follow federal laws including the FDIC.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to CFPB on the same dispute I made to Equifax months ago. An identity thief caused a fraudulent hard inquiry on my Equifax credit report by trying to open an XXXX XXXX XXXX account in my name on XX/XX/XXXX. This is 100 % proven by XXXX XXXX XXXX 's letter to me dated XX/XX/XXXX stating XXXX XXXX XXXX requested all credit reporters to remove this hard inquiry from all my credit reports. I mailed a copy of this letter to Equifax on XX/XX/XXXX as part of my dispute to Equifax and I wrote the Equifax dispute number on the copy of this XXXX XXXX XXXX letter I sent Equifax. I have no faith in Equifax whatsoever that they recorded this XXXX XXXX XXXX letter as part of my dispute. I spoke to " XXXX '' at Equifax today and she asked me 5 security questions to confirm my identity. I looked at my XX/XX/XXXX XXXX credit report as I answered her XXXX XXXX XXXX report included every correct answer. She told me her system rejected my answers. As a retired audit department manager with 23 years service for one of the leading universityhospitals in the US I can tell this Equifax rep almost certainly typed my security answers incorrectly. I say this based on 6 phone conversations I have had with Equifax reps. This is day 24 after I filed this dispute to Equifax. I have no confidence whatsoever that Equifax will resolve this issue. I will also submit a complaint to my elected officials re : Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX in the amount of {$1600.00}. 

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in 2015, which is 7 years ago. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.
Product: Checking or savings account

My debit card was charged {$77.00} by XXXX XXXX on XX/XX/2023. I have not had a transaction with XXXXXXXX XXXX for well over a year. 

I never authorized this transaction and have zero awareness of who did. This was a fraudulent transaction. They also tried to charge my debit card that same amount 2 more times, but those charges were rejected as I did not have the balance to cover it.

I noticed this fraudulent charge immediately because I get notifications on my phone of charges & attempted charges. I reported this to Chime immediately - Within minutes of seeing the notification.

Then I disputed the transaction, but they denied my dispute. Then I appealed, but they continue to ignore me and insist I give them some documentation that it was not my charge. How is one supposed to prove a negative?

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 
Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and XXXX XXXX.
Product: Debt collection

Nationwide recovery systems placed a debt on my credit with XXXX XXXX that I am completely unaware of. I have never even heard from them nor have I received a letter. I have no idea what this is from, I have never done business with them. I do not owe this debt. Anytime a debt collector is going to report you, they have to notify you first via mail or call. I never received anything nor heard anything from them. Also, even if I did, I am to receive a 30 day notice to contact them and validate the debt. Since I was not aware of it, I was never given that opportunity. Also, I do not see anything on my insurance showing any EOBs from this company, therefore I have no reason to believe this debt is mine at all. IF they did have my information they would've known to bill my insurance for it. I want this item removed from my credit report immediately. ALSO, I am a victim of identity theft. I have had someone taking over my accounts and changing my address. they have used my name, my license, my address, phone number, email, XXXX and all my medical information. I deserve the right to validate any debt to ensure that it is mine. Failure to communicate me prior to reporting this is direct violation of the Texas Finance code 202 ( b ). REMOVE AND CEASE ALL COLLECTION EFFORTS PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.
Product: Debt collection

To whom it may concern, Last XX/XX/XXXX Account Services Collections , Inc left a voice message in my personal cell phone asking me to contact them regarding a debt. A few days later ( a week or two ) I called back. A woman picked up the phone and after confirming my old address -from 2 years ago- and my current address, she informed me that I had been called by mistake regarding an old account. 

That made sense to me, as I had not received any debt validation letter, as they are obliged to within 30 days of starting collections, and I do not recall having ever provided consent to receive phone calls from Account Services ( or provided them my phone number ). This is because I share the phone, with my wife, who has access to my voice messages, and after she heard the message, she got seriously concerned and harassed me with questions. 

Today, XX/XX/XXXX I received a notification from XXXX that my credit score substantially dropped. As Im currently in the process of buying a car, Ive been monitoring it closely. When I pulled my credit to check it, I was outraged to discover that Account Services has reported a medical debt that Ive never heard about ( not even when I called them! ). 

This company should definitely get closed. I already had problems in the past with them for inexistent or inaccurate accounts. They have made me lose time and money, caused me public embarrassment, and huge distress.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union ( NFCU ) regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices to be unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CONTINUALLY REPORTS A FORECLOSURE ON MY CREDIT REPORT. 

I have nothing to do with ANY foreclosure ; NONE of my assets have ever been foreclosed upon. 

Please REMOVE this erroneous report.
Product: Mortgage

On or about XX/XX/21 I submitted application for a lower rate for my business XXXX XXXX, Key bank was processing a 1st mortgage on a residential property and the branch manager XXXX XXXX XXXX had offered a quote for my commercial property refinance. I submitted {$500.00} good faith deposit. The residential loan did not go as planned and was managed unprofessional and caused undue stress. I decided to withdraw my application on XXXX and requested a refund by email and was declined by Key bank. The reason for the withdraw was due to the unprofessional way the residential loan process was managed and did not want to continue my relationship on the commercial lending side. 
As a local business and account holder I am requesting the refund of the {$500.00}. If the residential loan was managed professionally I would have continued the process in goo faith. In my opinion the bank did not hold up to the good faith. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Equifax multiple times via certified letters in the past ( see attached letters titled round 1, 2, 3, 4 ) and yet they continue to report inaccuracies and they have ignored my factual complains of their inaccurate reporting on this account. 

I am hoping that the CFPB will actually do something this time about this inaccurate account reporting. I have attached the most resent Equifax report on this account and have requested in another certified letter to Equifax that they either correct or delete this account for inaccuracies. As usual they have done neither. 

Look at the Payment History ( see attached XXXX ), it is all over the place. They are reporting this account is : 30 days late in XXXX and XX/XX/XXXX ; 60 days late in both XXXX and XX/XX/XXXX ; and 180 days late from XX/XX/XXXX to XX/XX/XXXX. HOW CAN THAT EVEN BE POSSIBLE? 

I contacted the original creditor and they have informed me that this account belongs to a man with the same name as mine who died in XX/XX/XXXX. WHY IS EQUIFAX REPORTING THIS?
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account No XXXX XXXX. Late payment history XXXX XXXX XX/XX/2017 XXXX. Account XXXX XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found an inaccurate account on my credit report tonight, and I don't know the reason behind it. Upon my regular credit report check, I discovered discrepancies that were never there before. I refreshed my browser, hoping it was a technical issue, but the errors persisted. Therefore, I request a detailed review of the documents I've provided to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The details of the fraudulent accounts are as follows : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}