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

Lexis Nexis engaged in abusive FCRA tactics by refusing to remove a inaccurate account from my consumer report.
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 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute - Inaccurate Reporting Dear, Experian I am writing to formally dispute an inaccuracy I noticed in my credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed account : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Nature of the Dispute : The account is reported as Paid, Closed. {$100.00} written off. However, this is inaccurate. Based on my records, there is no amount that should have been written off as I fulfilled all obligations prior to the closure of the account. Additionally, the payment history displays severe delinquencies for months during which payments were either made or the account should not have reflected such derogatory marks. 

For example : The report lists delinquencies for XX/XX/XXXX to XX/XX/XXXX, which is incorrect because the account was closed and fully paid off. 
The account comments state Account previously in dispute - investigation complete, but there is no documentation supporting the resolution of this investigation, and the findings appear to be inconsistent with my payment records. 

I have attached the necessary documents to support my claim, including : 1. Proof of payments made during the alleged delinquency period.

2. Confirmation of the account closure with no outstanding balance.

I kindly request the following actions : 1. Investigate and correct the inaccuracies on this account. 
2. Remove any delinquency marks from the months of XX/XX/XXXX to XX/XX/XXXX. 
3. Provide me with a corrected credit report. 

Please conduct a thorough investigation and let me know the outcome within the required 30-day period. If you require additional information or documentation, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I had XXXX credit cards from Capital One. Due to XXXX, I was not able to make payments and XXXX charged-off both amounts. I have requested a 1099c for each account for my tax filing this year. How can I get those please? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, Experian and XXXX are reporting, false information. 

The last payment date, is now over XXXX years and shouldnt be on credit report. I have asked for a contract from the creditor, it's been exactly XXXX days and no response by mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX Subject : Dispute of Debt and Request for Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I am contacting you regarding the alleged debt referenced in my consumer credit report and associated with the following account : Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$15000.00} Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute the validity of this debt. I am exercising my right to request verification and validation of this account within 30 days of receiving notice of this debt.

Specifically, I request the following : Verification of the amount claimed to be owed, including a breakdown of principal, interest, and fees.

The name and address of the original creditor, if different from the current creditor.

A copy of any judgment ( if applicable ).

Verification that you are legally authorized to collect on this debt.

Under 15 U.S.C. 1692g ( b ), collection activities on this account must cease until proper validation is provided. Failure to provide sufficient validation within a reasonable period will be considered a violation of the FDCPA, and I may pursue my legal rights accordingly.

Additionally, please update your records to reflect that this debt is in dispute. If your investigation determines that the debt is invalid, I request that you remove all negative references related to this account from my credit report.

Please provide written confirmation of your receipt of this dispute. I expect a response within the timeframes required by law.

Thank you for your prompt attention to this matter.

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account high balance. Nor do I recognize the late payment associated with this account. Everything reported here does not meet the FCRA! 

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

All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have XXXX accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this XXXX discrimination none-sense because I am no fool when it comes to XXXX in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.
Product: Money transfer, virtual currency, or money service

I was scammed into making a money transfer to another bank account. I was told my account was frozen and I needed to transfer money to make the funds available while my accounts was cleared. After realizing what happened, I reached out to my bank and explained. They said there was nothing they could do, but to reach out to the federal trade commission. They said if the FTC reached out to them, they would have information but they were not able to stop, or return the transfer. After filing a claim with the FTC, they recommended talking to my bank, and if I had, to file a claim here if they did not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple letters with my FTC identity theft report and Experian and XXXX have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' Experian and XXXX have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit report?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Product: Credit reporting

I filed some disputes with Equifax XX/XX/2015 and since then Equifax has locked me out of obtaining my credit report. Everytime attempt to pull my report with either a credit monitoring agency or a creditor, Equifax renews a 90 hold on my credit file and notifies XXXX and XXXX to have them place holds on my credit report as well. It seems that the XXXX agencies are trying to punish me for filing disputed with them. I have called numerous times and written to Equifax requesting that this hold be lifted.
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 Transaction were authorized, I was charged late fees due to a lagged posting of charges and credit. This issue aligns with the recent CFPD finding against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and require an intervention into my account transactions.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to use my Chase XXXX, it was declined. I investigated and found out the credit limit was was reduced by XXXX. When I called Chase they stated they sent a letter. I never received the letter. I asked for escalation and was transferred.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account XXXX : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX - XXXX XXXX Account # XXXX  XXXX Account Name : XXXX, XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX 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.
Product: Credit reporting

I have very directly requested an investigation to determine if I am a victim of Identity Theft or bank fraud. After not receiving proper verification as is required by Experian under Section 609 of the FCRA Experian is now in direct violation of the law. Federal law very clearly states that Experian is to provide " physical inspection of documentation '' when requested by consumer. Experian has not done this and must delete XXXX XXXX from my report as it clearly is not mine and unverifiable upon request.
Product: Debt collection

I contacted I.Q. data international on 2 different attempts. I once disputed the debt and was told there investigation came back to be verified as my debt. My second attempt to dispute it on XX/XX/XXXX they said because I didn't submit new information there investigation is done and still verified. I then contacted XXXX and was told this should have never been reported to my credit. They then submitted a email around XX/XX/XXXX showing that the balance was taken care of in house. I also sent a certified letter XX/XX/XXXX with a copy of a statement showing this debt was taken care of. This is still reporting incorrectly and has been for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. 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  and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against LexisNexis for for their failure to provide a timely reinvestigation process regarding an inaccurate bankruptcy reported on my credit file, on XX/XX/XXXX i sent a letter asking LexisNexis for a reinvestigation and description process used to verified a bankruptcy in my file and i never recieved any answer, this is a clear violation of the Fair Credit Reporting Act ( FCRA ) : Disputed Bankruptcy Information : Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX 1-Violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 1681o : The inaccurate bankruptcy on my credit report constitutes a significant error that has adversely affected my financial standing and reputation. LexisNexiss failure to correct this error despite my repeated requests is a breach of their statutory duty to ensure accurate reporting. 

2-Violation of 15 U.S.C. 1692g : I have not received the required validation and verification of the debt associated with the inaccurate bankruptcy, as mandated by the FCRA. LexisNexis has not provided any documentation or evidence supporting the reported bankruptcy. 

3-Failure to Reinvestigate in a Timely Manner : LexisNexis has not complied with the requirement to reinvestigate disputed information within the 30-day period stipulated by the FCRA. This delay has caused undue stress and financial harm. 

4-Violations under FDUTPA and TILA : LexisNexiss actions constitute unfair and deceptive practices under FDUTPA, as they have misrepresented the accuracy of my credit information. Additionally, the erroneous reporting may have affected my ability to obtain credit on fair terms, thus violating the provisions of TILA.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Student loan

Have been paying on this loan for several years with little to no effect on balance, often pay extra. Bills do not come in regularly and when they do arrive the amount due is different. Have tried many times to contact this lender, as to let my wife be able to handle questions in my absence, to no availe. Furthermore, have been told that this is a federal loan and also that it is n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I wired over $ XXXX from my checking account to another account at XXXX and entered the wrong information and now I'm having a hard time receiving the funds and closing out my account.
Product: Debt collection

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school.
Product: Money transfers

I received a friend request on XXXX from a lady who 's profile name is XXXX. she advertised how she can help people make additional income with a number provided XXXX which I decided to call to get more info. she texted me and said that someone would be calling me. Which they did, and the conversation was explaining there business helping others flip the money to help there assist their financial needs. I ask how do you get started? They replied that I had to give my full name to get registered in there system then drive to a local western union at send money to an specific name and address then 20-30 mins later i would receive a tracking number to pick up my flipped return payment. I ask whats the minimum to send and they repaid {$150.00}. which would flip and return to me in the amount of {$3000.00}. I then went to western union as instructed filled out the form to send {$150.00} to the name and place the told me which was to a XXXX in XXXX. The tracking number of this transaction is # XXXX and i waiting as instructed to get my refund. then i received a message saying the money is there but the irs just notified them that there is a fee of {$290.00} that needs to be paid in order to receive my refund. I went back and forth with them through text and phone calls on how I do n't have anymore money and how this was n't what was discussed prior to me sending the first transaction. I let them know i could n't send anymore and they insist if I could send what i have. I told them i had a XXXX and they assured me that after i send this that i would receive my money with an additional {$1000.00} and a new XXXX which would come in the mail. They even proved me with the tracking number to give me clarity of the transaction being legit. that number was # XXXX but i was n't able to see the amount or the name attach to it which left me still suspicious. so i declined to send anything else and told them i would be reporting them so they could stop calling which they did after I uttered those words. So here I am telling of my unfortunate tragedy. I just was looking to better my families financial status. Not sure what will come of this, but I pray they get caught so that they can not mislead anyone else.