23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed-up for a Navy Federal Credit Union ( NFCU ) savings account using their web form. The ( extensive ) disclosure statement provides NFCU the industry-standard capability to monitor a member 's credit, presumably for specific targeting of services. I receive a credit monitoring notice that NFCU performed a " hard '' credit check XXXX the kind normally reserved for applying for loans and credit cards ) and not a " soft '' credit check XXXX the kind used by credit monitoring services and targeted marketing ). A representative tells me that NFCU *implicitly* reserves the right to perform whichever kind of credit check they like. I have two problems with this : ( 1 ) I did not apply for credit and ( 2 ) I do not believe that I provided consent for a hard credit pull.
Product: Vehicle loan or lease

There was a late payment that hit my credit report in error after it was paid from the wrong account and the payment bounced. We made the payment again and it went through. I didn't even have the car in my possession and should not be responsible for this. Please help me with this as I am willing to go to my Attorney General in New York to get this rectified as he is 100 % for the consumers against the creditors and credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. UNAUTHORIZED INQUIRES.
Product: Credit card

In the year of 2023 I did two different disputes with macys of purchases, in both times I received letters confirming that this purchases were disputed and I didnt have to worry for them. Now my account is in charge off with a balance that I do not recognize and will not pay because those purchases were not mine. The letters attached are in XXXX, this is my preferred language.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES THAT ARE LISTED ARE FRAUDULENT SOMEONE STOL MY SOCIAL SECURITY NUMBER AND PHOTO TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Experians Negligent Non-Compliance with 15 U.S.C. 1681o of the Fair Credit Reporting Act To Whom XXXX XXXX XXXXern, I am submitting a formal complaint against Experian for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. Experian has failed to properly investigate and correct inaccurate information on my credit report, despite the submission of documentation supporting my dispute. 

The dispute in question pertains to an account with XXXX XXXX XXXX, which claims I owe {$7700.00} for alleged damages, fees, and other charges. These claims are entirely inaccurate for the following reasons : 1. I paid my rent in full through the end of the lease term, which ended in XX/XX/XXXX. 

2. On XX/XX/XXXX, I informed the property manager of my intention to renew my lease. However, on XX/XX/XXXX, the property manager informed me that I could not renew the lease. I fulfilled my lease obligations through XX/XX/XXXX and vacated the property. 

3. The alleged damages, such as carpet replacement, wall damage, and cleaning fees, are either pre-existing issues or false claims. There were no damages upon my departure. 

4. All keys were returned at the end of my lease term, and I have provided proof of this in my dispute with Experian. 

5. The property manager at XXXX XXXX XXXX claimed that I could not create a new lease because my former co-tenant, XXXX XXXX, had to acknowledge being removed from the old lease. This requirement was irrelevant, as the old lease had already ended, and I had fulfilled all terms. 

Experian failed to conduct a reasonable reinvestigation of my dispute, as required under 15 U.S.C. 1681i. Their negligence in reporting inaccurate debt violates the FCRA and has caused significant harm. 

Impact of Negligence : Experians negligence has caused significant harm, including : Damage to my credit report and score. 
Emotional distress and financial hardship from dealing with this inaccurate report. 
Difficulty obtaining financial services due to the erroneous debt reported on my profile. 

Requested Action : I request that the CFPB : 1. Investigate Experians failure to comply with its obligations under the FCRA.

2. Require Experian to remove this inaccurate account from my credit report.

3. Hold Experian accountable for its negligence under 15 U.S.C. 1681o. 

I have enclosed copies of all supporting documents, including correspondence with Experian, proof of payment, and evidence of my fulfilled obligations under the lease. 

Sincerely, XXXX XXXX XXXX : Correspondence with Experian Supporting documentation ( e.g., receipts, proof of payment, move-out records ) Credit report showing disputed information
Product: Checking or savings account

Savings Account -- > XX/XX/2016 XX/XX/2016 ( US Bank ) $ XXXX {$11000.00} taken out of my Account XXXX XXXX one getting access my mail. My debit card sherifs had it while I was locked up. {$500.00} was pulled out from XXXX us bank & {$500.00} XXXX XXXX bank each day for ten days straight when I went 80 % to 100 % .. 
XXXX XXXX my ex who put restraining order on me was dating XXXX & XXXX XXXX linked to house XXXX XXXX XXXX Scamming me {$1500.00} a month supposed XXXX ( XXXX, new car, red light rent ) Apparently XXXX wanted child visitation & my parents used her bait for me go jail over or should I say XXXX. 
Meanwhile I'm new directions @ VA like guinea pig not going anywhere but bad background record trying defend my bloodline
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to fraudulent investment firm ( XXXX ).
Product: Debt collection

I have disputed this account several times with Experian they are refusing to take it off my credit I have did everything to get it off my credit I have sent letters stating that it isn't mine every time I send them they say they haven't gotten it. This is getting out of hand, I cant even apply for anything because its reporting negative on my credit report. Im at the point where if it doesn't come off my credit I'm going to sue them.
Product: Checking or savings account

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

My name and information were used fraudulently with Exeter finance the account was opened on XX/XX/2016.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of the consumers under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed. 

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 )
Product: Student loan

My two loans recently came out of forbearance. I made the first payment without incident and on time. The second month, I made the payments online using the same process, on XX/XX/XXXX. The payment cleared my account on the same date. 

As of today, XX/XX/XXXX, the payments are still showing as " Pending '' in the lender 's online portal. I've sent emails to the lender, who indicated they would " keep an eye on this ''. I then contacted the lender by telephone, who insisted that I needed to send them proof from my bank that the payment had cleared. 

Now I'm on the telephone, and I've been told by XXXX XXXX, the manager, that the technical team needs to look at this, and that it'll take until tomorrow. 

The payment will be late effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Mortgage

I have made multiple attempts with BSI mortgage to resolve this issue. I have called since XX/XX/XXXX, I have left multiple messages for supervisor to call me. I was approved according to BSI for a Covid 19 recovery partial claim. My understanding after speaking to HUD FHA that the mortgage company should not report lates under this act. My credit report is showing lates as of XX/XX/XXXX. I have decided to sell my home as advised by BSI because they said I didnt qualify for any other programs. I have put my home for sale and decided to rent an apartment but my mortgage lates on my credit have hindered me from obtaining somewhere to live. I am doing everything possible and I have done everything I have been asked from BSI. No one has answers or can help me and every time I call the supervisors are out to lunch. I have no access online to see anything on my account, it is all blocked. I have called BSI, HUD and also had assistance from HUD counseling. I have done as I was told to sell my home. Can I please get some help with the latest on my credit so that I can find a decent place to live.
Product: Debt collection

L J Ross Associates, Inc at address XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$340.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not correct error with reporting from Prosper. Prosper will not correcet incorrect billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several delinquent accounts being reported on my credit report. I have full XXXX coverage, I don't even recall going to the doctor as much. I notified XXXX, XXXX, and XXXX, all XXXX insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. XXXX
Product: Checking or savings account

I have a XXXX account with Wells Fargo Bank. 
On XXXX XXXX I had an unauthorized ACH payment for {$23000.00} processed through by business account. Someone used a XXXX XXXX XXXX XXXX  account to perform this transaction.. I finally received a text message from Wells Fargo at XXXX on XXXX XXXX. Some three business days later. All of the standard basic actions have been taken on my part with Wells Fargo. I'm now waiting on XXXX XXXX to finish their investigation and then they will report back to Wells Fargo. ( 60-120 day ) Wells Fargo have yet to explain to me why it took them 72hrs to text me a notification. When ACH payments are processed within 24hrs. 

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

Equifax reporting agency was to dispute inaccurate information from a debt collection company that is incorrectly reported on my credit report. All they did was got hold of the collection company and asked if the information was correct, and that company then told them that it was, so my dispute was not handled. Of course a lying company is going to say yes this information is accurate. I want proof that it is accurate, not the collection company saying sure this person made a payment on such a date, when the payment they are reporting is for XXXX dollars, cause that isn't a payment at all. I want proof of ownership and proof from them with the original credit company of last payment, statements for proof, and when the first delinquency was. I called the original creditor and was told the last payments on their end was from 2010 which is way past statutes of limitations to report. The original creditor has already been removed from my report, and the debt junk buyer is listing the accounts as new and keep reopening them and parking the debt. I tried explaining this to the equifax person and yet they won't get the proof. I faxed the junk buyer and requested in writing the information and they have yet to send it and it has been over 50 days. They can not prove it, because it is past the statutes of limitations. I want my credit report fixed. It is illegal to park debt and yet this company is doing so and equifax is allowing it to continue. XXXX   already removed this junk from my report over a year ago, when the junk collection company couldn't prove this debt as accurate.
Product: Debt collection

I have a complaint against Best Buy /CBNA. Ive called them several times and have been unsuccessful in reaching a resolution about settling a debt. Ive waited over a month for a response and have received nothing. When I call the reps, they give me the run around and ultimately are not able to help me. 

In addition to phone calls, Ive also sent out a letter to the creditor asking to settle the debt and again, no responses from either company. I have home ownership goals and needs that require my credit to be clear of any debts. Im willing to pay any monies owed and need to get this resolved ASAP. It is urgent that this matter is tended to immediately. 

Once paid, I would like to get any negative credit reporting and history from Best Buy removed from my credit report entirely. 

Please contact me ASAP regarding this matter. 

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

The account below is not mines. It was also opened and closed the same month. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$1500.00} The 43 inquiries is not mines I did not athorize. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXXnquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automotive XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Mortgage

I submitted a Private Mortgage Insurance Waiver Request because our home has increased in value and I believe we can have PMI removed. I submitted this request on XX/XX/21 by email and recieved a response from our bank ( Flagstar Bank ) on that same day that they would begin processing my request and get back to me in 14 days. I called one month later and I am told they do not see my waiver in the system and will have to escalate to resolve. Their failure to process my request in a timely manner is causing me to continue to pay unnecessary PMI.
Product: Credit reporting or other personal consumer reports

The major Credit bureaus XXXX, Experian, and XXXX each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights under 15 U.S. code 1681 section 602 A. States I have a right to privacy.

15 U.S. code 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX of XXXX  and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from Experian but to have membership benefits that allow me to see what's on my XXXX and XXXX reports as well.