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

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Complaint Summary : I am filing this complaint regarding XXXX XXXX  failure to comply with the Fair Credit Reporting Act ( FCRA ) in reporting my account status accurately. Despite my hand written certified mail letter that was sent XX/XX/year> requesting correction of this information, XXXX XXXX continues to report inaccurate details that negatively impact my credit profile. This has been ongoing now for the last XXXX years just a MOV letter will be sent but all information remains inaccurate and no proper investigation is done Issues with Reporting : Inaccurate Past-Due Balance Reporting : XXXX XXXX XXXX XXXX a past-due balance on an account that was previously charged off. Rather than reflecting this as a one-time event, they continue to report it monthly as if it were a recurring delinquency. 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX is failing to furnish accurate information by continuing to report this balance inaccurately.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX has not corrected or deleted the unverifiable information despite my request.

Extended Statute of Limitations : By repeatedly reporting charge-off each month, they are misrepresenting this as a recurring delinquency, misleading creditors about the true account status.

Lack of Adequate Verification ( MOV ) : Their response to my certified request did not provide sufficient verification to justify the monthly charge-off reporting.
Product: Debt collection

I'm receiving 45+ phone calls per day, 7 days per week from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery, XXXX XXXX XXXX XXXX etc. It's ridiculous from XXXX. Non stop, 4-7 calls in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX
Product: Checking or savings account

When opening the account, I was on a joint account with my dad. He handled any issues that came up. However when I got a basic checking and savings a few years later I put a large amount in to move where needed. They were extra fees immediately afterwards and if it was paid by the day another fee of $ XXXX was added to my account. I had asked multiple times how to remove it or leave the bank. I had to pay hundreds in fees and they still said I owed money. It has affected my trust and relationships in banks since then. And having a first relationship with credit it has ruined a lot for me. Im still building to this day to get to where I should have been without Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.
Product: Checking or savings account

I'm 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 slow posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available fund. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that my name be updated on the Credit Bureaus, as per my ID info. I have never gone by any other name outside of XXXX XXXX, XXXX. TransUnion has XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
XXXX added XXXX XXXX, XXXX. 
I asked that the following addresses 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 XXXX. 

Also The following Collection companies as I don't owe them anything : XXXX XXXX, XXXX : XXXX XXXX XXXX ( all three Bureaus )XXXX XXXX XXXX  ( TransUnion and XXXX ), XXXX XXXX  ( all three Bureaus )
Product: Debt collection

I am writing to file a formal complaint regarding TransUnion 's failure to properly investigate and verify a dispute I filed concerning a XXXX XXXX account. It has been over 30 days since I initiated the dispute, and TransUnion has not provided the legally required verification of the account. Instead, TransUnion has relied solely on Capital Ones unverified claim without following the appropriate procedures outlined by the Fair Credit Reporting Act ( FCRA ). 

As outlined in the FCRA, particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation and provide verification of the disputed information. By relying solely on XXXX XXXX statements without further investigation or proper verification, TransUnion has violated my rights. Under 15 U.S.C. 1681i ( a ) ( 4 ), TransUnion is legally obligated to either delete the inaccurate information or correct it within 30 days of receiving my dispute. 

The continued presence of inaccurate information on my credit report has created severe financial distress for my family. We have faced significant challenges in securing housing due to the negative remarks on my credit report. This ongoing situation is placing an unnecessary burden on my family 's livelihood and well-being. The emotional and financial toll of not being able to secure stable housing is considerable, and it is affecting our quality of life. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ensures that I am not subjected to harassment or unfair treatment by creditors, including inaccurate reporting. TransUnions failure to remove the disputed account after the required period constitutes a violation of these protections and perpetuates harm to my financial standing.
Product: Mortgage

On or about XXXX 2013 I applied for a loan modification through XXXX for Wells Fargo Bank. At the beginning of XXXX 2013 I received a call from Wells Fargo from their representative XXXX XXXX Home Preservation Specialist. Ten minutes later I received a call from XXXX XXXX of WFB stating she had not read the approval entirely, and all ( XXXX ) XXXX panelist did not sign off on the approval, therefore, I am denied. I took the denial and the NPV to XXXX XXXX who reviewed it and found numerous errors, beginning with my loan having deferred interest almost 100 %. Additionally they took issue with the denial Wells Fargo issued on XXXX XXXX, 2013, Wells Fargo stated that the proposed modified monthly would be more than 42 % of my monthly gross income. Listed on the NPV my income was listed at {$2700.00} a month, 31 % of the income is {$850.00}. Using my unpaid principal balance of {$250000.00} my HAMP payment would be {$810.00}. 
I believe because I was ignorant of Wells Fargo numerous and different ways they chooseto review borrowers for HAMP, I got railroaded. Wells Fargo offered me to pay my past due in 6 months, it was only XXXX payments past due.
Product: Checking or savings account

Hello, I met with this person online, as I had posted ad to find a roomate.. 
This person sent me his Drivers license ( Attached ) and we text and exchanged emails and even talked couple times but never saw him, I needed {$1600.00}, but he made some story about how his employer will pay me and sent me check worth {$3900.00} I deposited check and waited for approval, and in 24 hours I could see the money in my account so I thought check is valid.. 

So I XXXX  him {$2300.00} back, But after 2 days I saw bank cancelled my check stating it was not a legit check, when I text him about this, he sent me another check worth {$3900.00}, which was also fake ( Attached ) and now I cant reach him for 3 days I went to Bank of America but they DIDNT HELP AT ALL, and kept saying that amount I saw credit amount and not real, and it takes them XXXX days to clear check, which I was unaware of but didnt care and CLOSED MY ACCOUNT which still had {$1000.00}, which they refused to give till XXXX XXXX. Absolute bullying by BANK.. 

I reported police complaint already, and needed your help on how to get my money back.. 

I can send you more details as well if you wish.. 

Thanks
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Dealing 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 balance despite initially available funds. I believe these practice are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Requested security freeze XX/XX/XXXX online request not granted, no communication, called core logic several times concerning freeze no results. On XX/XX/XXXX printed freeze request from online faxed it along with copy of drivers license and utility bill ( faxed on XX/XX/XXXX ) received notice in mail of freeze not being placed as requested. Core logic is a reseller of consumer information I want that stopped on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, XXXX, and Transunion have failed to remove the extended fraud alerts to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o {$15000.00} from XXXX XXXX acct # XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable/Fraudulent debt from my report as of XX/XX/year> ( See attachment ). According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable/fraudulent, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.
Product: Student loan

Despite my previous complaint, and promise that the issue was resolved, NELNET has once AGAIN placed my account into forebearance despite me not approving it and repeated requests to opt out of any forebearance. 

The last time I spoke to an associate, in response to my previous complaint, they assured me this issue would never happen again and I would not be put into forebearance against my wishes. 

This will be my 7TH TIME requesting to be taken out of forebearance/deferment, with the previous six being assured " it shouldn't happen again. '' This is intentional by design on the part of Nelnet and should be considered fraudulent activity.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I submitted a dispute for inaccurate reporting on my credit report. I then received two letters one from XXXX XXXX and one from XXXX ( report number XXXX ) XXXX stating that the disputes letters that I sent out didnt appear to be from me or to be authorized I then sent in another letter .Right now theyre not providing anything to validate the late payments, two theyre not even adding in the comments that consumer disputes, and theyre not updating last verified.
Product: Debt collection

The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX XXXX XXXX has no responsibility over the debt of XXXX XXXX XXXX XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX IXXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was at XXXX XXXX trying to purchase a car. I completed a loan application and gave XXXX authorization to pull my credit report. I was not aware that XXXX without my consent submitted the application on XX/XX/XXXX to four other banks in hopes that one of them would approve my loan, and in the process each and every bank pulled my credit report causing me to have a hard hit inquiry and affecting my credit report negatively. To many inquiries equal negative credit rating and will stay in my report for two years. I reached out to Chase today, XX/XX/XXXX and was transferred to the Credit Bureau Unit and was told by XXXX that because XXXX sent the application electronically that their procedure is to do a credit check even though they did not have written consent from me to run a credit check. XXXX refused to give me any information so I can submit a written dispute and request a Letter of Deletion. Per XXXX Chase will not request to have the inquiry deleted.
Product: Student loan

Hello -- I requested a refund of the payments I made during the pandemic to my student loans. I did in fact pay off this balance in full and the loan has been closed. In light of the recent student debt relief announcements though, I've requested a refund of the payments I made as eligible under the CARES Act. 

However, I find the lack of any information from my loan provider, EdFinancial, concerning. After requesting the refund, I received no sort of confirmation email or letter. The associate I spoke with was also uncertain of several of my questions, and I got differing answers from other associates. 

I am hoping to get more clarify on my refund request. 
1. Was it successfully processed?

2. When will the refund appear and my loan be re-instated on my account? There must be a better timeline than what was provided to me.

3. How will I be receiving my refunds?

That last question is of utmost important as I paid from several different payment methods, including bank accounts that are closed. I've requested the refund payments ALL via check but I have not received any confirmation that is how they will come.
Product: Debt collection

Truist bank says I owe them money and I do not. They promise XXXX dollars if you sign up for the checking account and they never gave me this money. I have not received any written correspondence for this but text messages every day. The company is XXXX XXXX XXXX XX/XX/XXXX. But this debit is supposably also at XXXX XXXX. I have canceled this bank account since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three times with target and XXXX that target has a secondary account reporting to my XXXX credit report. I also recently sent out a 609 letter via certified mail. I only have one account with target. This account has a high utilization and is bring my credit score down. The amount on the account  is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was trying to get another XXXX XXXX  to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor Equifax to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake Equifax/XXXX deleted a different XXXX account from my credit report. I had a XXXX XXXX with XXXX  for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason Equifax and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/XXXX XXXX they said they NEVER delete accounts from credit reports. I asked that Equifax put the account they removed back on my report and they said they can not because XXXX is the one that deleted the card. XXXX told me Equifax has it on my older reports and should accurately report it XXXX can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.
Product: Credit reporting or other personal consumer reports

The account / credit card ending in XXXX with XXXX XXXXXXXX is still showing up as owing {$580.00}. This account has been paid up over 5 years ago and I have been battling this with XXXX XXXXXXXX, equifax and XXXX XXXX but still they havnt taken it off my credit report. This has been going on for over 1900 days. Im sick of this. Its completely ridiculous and nobody is doing anything to resolve ( XXXX XXXXXXXX or credit bureaus ) please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Halsted Financial has contacted me several times by phone and text stating I owe a debt to XXXX. I have not ordered anything from XXXX since 2018 and the balance was paid in full. I contacted XXXX and they are unaware of any money I owe to them. I also checked my credit report and see no such reporting. The XXXX has over XXXX complaints about this company attempting to collect on fake debts from consumers.