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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account 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 reporting, credit repair services, or other personal consumer reports

I have a loan with FEDLOAN. 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 and FEDLOAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

Navy Federal Credit Union What its going on is they will determine how much I overdrawn at the same time leave the account with money in it help me believe in that money is in account wait till all the charges occur then charge me an overdrive fee This is a rear current incident my direct deposit goes to the bank so they know exactly when to take the money out this incident occurs every other week
Product: Debt collection

I certify that i am permitted by federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company without my authorizations used my personal identifying information to apply for good services, or money, and was successful in creating some accounts all is being investigated by the FTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to Transunion regarding account with XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Transunion know that I never had an account with them. XXXX said that they verified the information. I sent another letter asking Transunion to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX  XXXX. I then sent another letter to TransUnion asking them to show me the process they used to verify this information and who at XXXX  XXXX  they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Transunion sent me letters saying that the information was verified and other details to the account were UPDATED. As a consumer I have the right to a credit report that is 100 % accurate. The problem I have with Transunion is when I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked XXXX to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX, they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX  company has submitted a record of deletion to the Bureau. This is evidence that Transunion has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account to remain on my report. I expect this account to be deleted IMMDEIATLEY!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the inaccurate information to be updated or deleted. 

XXXX XXXXXXXX XXXX XXXX {$0.00} This account is misleading. This will need to be removed pronto.
Product: Money transfer, virtual currency, or money service

I did not receive any information from cash app when I sent in a complaint about fraud. They would not help me with my account. I am involved in a cash app fraudulent lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I tried to call this number and it always said all circuits are busy. 

I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.
Product: Mortgage

I am refinancing my {$110000.00} home loan with a {$250000.00} HELOC. 

My new rate is 2.35 % ( a major decrease in my payment ) for {$500000.00} and I would like the HELOC at Bank of the West to be {$50000.00}. 

According to my lender, it requires over 20 business days to receive a subordination agreement from Bank of the West due to low staffing compared to the number of refinances their office is receiving. 

This puts me outside my lock in rate and my loan officer recommend I just get a new Heloc, faster ( and much more expensive with all new closing fees {$1300.00} for {$40000.00} ). 

I am in a paperwork administrative situation here. I have worked on this loan now for 3 weeks and now learning that I need to wait another month? 

I called Bank of the West to fax the paperwork to XXXX, my loan officer on XXXX. I called because the bank does not answer the phone in less than 20 minutes. When I go to the branch they say I have to call the 800 number. I also sent two emails with no response. When I asked to send a complaint to management the operator gave me the address in XXXX XXXX to Bank  of the West but she didn't know what department to sent it to. 

My request? Their phone message could say if you would like to give us your number and we will call you back at our earliest convenience.
Product: Debt collection

Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.
Product: Credit reporting or other personal consumer reports

Equifax updated my credit report based on the information that XXXX sent to them and I sent to them. They then went and changed it again adding different information and a statement that I did not add and changing the status of the account. The account is paid in full and close. They did this two days after they updated it correctly. That change affected my credit score by nearly XXXX points in one day from their inadequate incorrect changes that they have made. They show that there's no status update which there is they show that there's no status at all and no payment history which there is. They also allowed a fraudulent creditor that I have an FTC complaint with to report a dollar change to this account and another address change even though I provided them an FTC identity theft complaint that has that creditor on there and one from last year. I've also disputed this by mail certified return receipt.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and TransUnion to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXX BANK- XXXX {$900.00}, XXXX XXXX XXXX BANK - XXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from TransUnion and XXXX. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago
Product: Credit card or prepaid card

I opened and account in XX/XX/XXXX with synchrony ( then ge capital ) and paid it off in XX/XX/XXXX. Since it is Ethan Allen, it is not something I would use every day. I was never notified that this may be happening in the future, or even that it had happened after the fact. I only noticed after checking my credit report. I called customer service today and they will not reinstate. I can only reapply and reopen, which will further hurt my credit. I was in the process of buying a house and this has potentially cost me thousands in interest on my mortgage due to a lower credit rating. All customer service said is they can close an account for any reason at any time and we 're of no further help.
Product: Checking or savings account

Thursday XX/XX/XXXX I received a text message from Chase bank saying my account was going to be closed if I dont call the bank to clarify information. I called bank @ XXXX ( XXXX XXXX ) spoke to a customer service representative to be told my account was being closed with no explanations as to why. I called corporate office spoke to a higher up to be told the same thing, couldnt be told why my account was being closed by the bank, I had to wait 5-10 business days for my account to close to be informed as to why this action was taken against me and I had to wait another 5-10 business days to be given a check with my hard earned money, in the meantime Im screwed with no money cant even transfer my money to purchase food and daily necessities I need. This isnt fair and I did look up the terms and conditions with Chase READ the whole thing, no where in there Terms and Conditions did it state they have the right to do this to a customer and leave them with no money that isnt theres to begin with.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/2024 asking for this account to be removed and deleted due to it not being mine. I sent letters to the furnisher as well to validate this account as well as experian. The account results came back updated and not removed due to documents that were not attached to the account from experian. On the XXXX of XX/XX/2024 the account was redisputed with the documentations and on the XXXX of XXXX I received an experian alert that the account was updated and verified again. I also attached documents from the Creditor stating they can not validate this account. Ive submitted an FTC report and I am not getting the cooperation needed to deleted this item. XXXX and XXXX has already deleted this accoun t per my request and same documentation According to the Fair Credit Reporting Act Section 605B it is illegal to report information on my account without my permission. Please remove and delete this item from my credit report. 
Account Number : XXXX XXXX Account Ending In XXXX
Product: Debt collection

On Today 's date XX/XX/2022, I received a letter from the company XXXX XXXX XXXX about an alleged/disputed loan with the company MOSAIC ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, MOSAIC and XXXX XXXX You can refer to the current investigation conducted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the police report from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), and the complaint with CFPB against MOSAIC ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with MOSAIC.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt. 

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that XXXX consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

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: Checking or savings account

We opened an account with Discover Bank in XXXX of this year with {$25000.00}. During this time period Discover bank was running a promotion of crediting savings accounts opened with an additional {$200.00} if the balance deposited was {$25000.00} or greater. After initialing opening the account, I didn't see any confirmation of the {$200.00} credit. I contacted customer service who told me a code needed inputted to receive the credit. They assured me that the code had been applied and I should receive the {$200.00} in our account within the next two months. 

Two months later, we still hadn't received any credit. I contacted customer service numerous times and they informed me that no code had been applied. They asked me for the code which I no longer had. I sent them a similar Discover promotion online with a code and they informed me that that code was no longer valid and they would not be able to credit me the {$200.00}. I had told them my previous conversation with customer service at the time of opening the account and if they checked their records they could see that I had been assured all was in order and that I would receive the credit. They did not even respond to this other than to say they were unable to give me the credit. It felt like a bait and switch scam. We have closed this account as we do not want to do business with an unreputable company. 

We are also contacting the Ohio XXXX Attorney General as we feel there may be a class of people that this involves and could also involve criminal activity by the bank. We are seniors and feel we were treated with little regard and taken advantage of. 

Thanks for all you do! 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECEIVED COPY OF MY CREDIT REPORT AND FOUND THOSE NEW FRAUD INQUIRIES JUST POP UP ON MY CREDIT REPORT. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW. 

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 : XX/XX/year>XXXX XXXX XXXX XXXX XXXX : XX/XX/year> IM A VICTIM OF IDENTITY THEFT AND PEOPLE STILL TRYING TO GET STUFF ON MY CREDIT REPORT. 
DELETE ALL THOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I been with Navy Federal Credit Union since XXXX until now XXXX. My account was charged overdraft fee numbered of time over {$3000.00} dollars for charges I didn't receive. I have reached out to this company on many different occasions but I was still charged for overdraft fee. Can some please help with this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because XXXX XXXX refused to report the closing of accounts listed below which was closed date XX/XX/2018.by consumer ; closed account can be add XXXX XXXX-account XXXX XXXX ... XXXX XXXX-account # XXXX ... XXXX-account # XXXX ... XXXX-account # XXXX ... all accounts from XXXX XXXX, this company would not let me the consumer close those account with the credit bureau 's also report them open, I the consumer is reporting them to the c.f.p.b. to be added to the date basic to keep track of the date account was closed and by whom.
Product: Credit card

I opened a Kikoff Secured Credit Card because it was promoted and advertised as a credit-building and credit-repair tool. However, after using the card for nearly a year, I discovered it does not report any balance or utilization to the credit bureausonly that the account is open and without late payments. 

I contacted Kikoff and was told they do not report utilization at all. This is misleading, as credit utilization is a major factor in credit scores. Additionally, I can not view my balance, utilization rate, statement date, XXXX, or payment due datesbasic features included with any traditional credit card. 

With only the accounts open status being reported and no additional activity shown, it defaults to being in good standing, but this has not helped improve my credit meaningfully. I believe this product XXXX be deceptively marketed and request that this be reviewed for misleading advertising.
Product: Credit card or prepaid card

In XX/XX/2023 I opened a Credit card with Jet Blue Plus and indicated that I wanted a balance transfer to my XXXX account. The balance on the XXXX account at the time was {$1300.00}. I paid the balance on the XXXX card on XX/XX/XXXX, as Jet Blue was taking a while. Jet Blue transferred {$20000.00} to XXXX on XX/XX/XXXX. After many phone calls the {$20000.00} was credited back to my Jet Blue account on XXXX but they charged me a {$1000.00} transfer fee. They also reversed the fee. The fee then reappeared on my XX/XX/XXXX Jet Blue statement. 
I have spoken to customer service many times and have gotten agents that completely under and see the problem. On XX/XX/XXXX I spoke with a supervisor ( XXXX ) who agreed that I was a mistake. I had said that I would pay the 5 % balance fee on the {$1300.00}, which I believe is {$69.00}. She felt that this made sense, I am still waiting to hear from Jet Blue Master Card and to add injury they are charging me interest on the {$1000.00} balance. Otherwise I pay my account in full every month.
Product: Vehicle loan or lease

I moved from XXXX  to XXXX  after I leased a car from Hyundai ( Hyundai Motor Finance ). To get a license plate from XXXX, I need HMF to send the title to the Florida XXXX. Ive attempted multiple times to fax HMF the necessary forms to complete this process. Ive even sent it to their backup fax. They keep saying they havent received it. Although my fax shows me confirmation it was sent. Customer service cant do anything other than tell me yes or no if theyve received the fax. They wont allow contact with the titles department. Im running out of time for them to send what I need to the XXXX  XXXX before the XXXX tags on my car become expired. I dont know what else to do. Ive even attempt posting on social media. XXXX. XXXX. XXXX. Didnt work.
Product: Credit reporting

In XX/XX/2016, I was the victim of credit fraud. Thieves stole my personal information and opened a credit account with XXXX. XXXX cleared the information from my account but the hard inquiry still remains on Experian 's credit report. Also attached is the police report filed with my local XXXX XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. XXXX, XXXX, and Transunion are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, XXXX was XXXX, XXXX XXXX, and Transunion XXXX in XXXX, Now I am showing in the high XXXX  on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?