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

Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent. 

On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately. 

On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account. 

On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request. 

I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank. 

I leave this in your hands and will abide by the decision made after investigating the issue. 

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

Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my XXXX XXXX XXXX checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined
Product: Credit card or prepaid card

Received a credit card for Bank of Americas I. The mail which I never signed up for. When I called to inquire, possibly being a victim of identity theft, their automated system was no help. In fact, I believe they took my call as an activation call and activated the card. Again, I never signed up or have never signed up for a BOA card and have since cut it up and discarded it into the trash. But, I dont want my credit score affected by this!
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK NA failed to correct the 30 days late showing in XX/XX/2016 in Acct XXXX Acct was never late, have always been in automatic payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with Target. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Credit reporting

Equifax responded to a complaint and they state that the status of the XXXX account has been updated to PAID IN FULL. However, they still list the STATUS as CHARGED OFF, which is not the case. The information that they received from XXXX in order to update the reporting is that the account is that it is PAID IN FULL. I have uploaded that document. That is the current STATUS and it is required by law that it is reported that way by the credit bureaus. 
Charged off is an IRS term meaning that XXXX offset their taxes with the amount. Now they have to reverse that process and report it as INCOME, once it is paid in full the status of CHARGED OFF no longer exists. The amount has been disputed for three years due to XXXX unfairly charging overdraft fees. 
Thank You
Product: Checking or savings account

I am here to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the CFPB findings against Navy Federal Credit Union 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

Subject : Dispute of Credit Report Items and Request for Resolution under the FCRA Dear CFPB, I am writing to formally raise a complaint regarding my credit report, which has been negatively affected by a data breach exposing my sensitive information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, correct inaccuracies, and protect my credit from unfair practices. 

Attached to this letter, you will find a copy of my XXXX credit report generated on XX/XX/year>, which includes several inaccuracies and negative items that I believe should be removed immediately due to their connection to the breach. Specifically, I request that : All negative information related to closed and charged-off accounts, including but not limited to those with XXXX, Bank of America XXXX XXXX XXXX XXXX XXXX XXXX  , be removed. 
Any late payments on open accounts with XXXX XXXX be corrected if they resulted from the data breach or inaccuracies. 

I have taken significant steps to safeguard my financial integrity, yet I find myself being penalized for circumstances beyond my control. I request that the CFPB ensure lenders and credit bureaus comply with the FCRA and that they are held accountable for the accurate reporting and protection of consumer data. 

Please note that I expect a resolution within 30 days, as stipulated by law. Should additional information or documents be needed to support my dispute, do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were XXXX recent shows my balance at {$160.00} and XXXX recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
Product: Debt collection

Collection agency IC System of XXXX  XXXX, MN claims in XX/XX/2019 that I owe {$370.00} which they say is overdue for cable service provided by their client XXXXXXXX The account, # XXXX, is for a location in XXXX, NY. I explained to IC System that this account can not be mine, since I live in California, have never been in XXXX, NY and have never had or authorized cable service or any other service in XXXX, NY. I asked IC System if they had a social security number or drivers license number associated with the account and they did not have that information. They stated that they had my name, XXXX XXXX, to which I responded that this is not an uncommon name. I told them this was clearly a case of mistaken identity ; however they would not listen. 

The larger problem is that IC System is the second collection agency to harass me about this same XXXX account. 

In XX/XX/2019, XXXX XXXX XXXX of XXXX, TX sent me a collection notice for the same amount and the same cable account number. I called both XXXX XXXX XXXX and XXXX at that time. Neither would cancel their claim. Instead they demanded that I either pay the amount or spend hours of my time in completing their data package, including trips to our police station, while offering me no evidence of why they were billing me other than that they had my name. The fact that XXXX recognized that I have long had a valid cable account with them at our home in California which is fully paid up and has had no late payments ever, did not deter them. XXXX XXXX XXXX then filed notices with the three major credit reporting agencies. I sought the advice of our ID Theft insurance company who helped us get this reversed and ultimately get my credit rating restored. 

I demand that XXXX and IC System stop harassing me for a case that had been previously resolved in my favor, that they reverse any credit ratings filed against me, and that XXXX and their collection agencies not harass me in the future for debts that are not mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i received a hard inquire from a company... called ONE MAIN FINANCIAL I contacted them ... left voicemails ... ... XXXX response i dont own or have any business with this company. 

I HAVE been trying to contact these guys for the last 2 months ... no one has gotten back to me
Product: Mortgage

I applied for a loan for a mobile home and was given a 7 % interest rate. I wanted a lower rate so my agent told me to call another person. I did and they gave me a 5 % interest rate over the phone, and gathered all my information. I received the loan estimate and the interest was 8 %. My real estate agent asked me to call the lender, I told her I was not going to call him because I feel he bated and switched the amount of interest. She said I told him not to do that. I was shocked that she knew what he was doing and didnt tell me. I thought she worked for me not the loan originator. I feel they are in co hoots in trying to trick me. He thought I wouldn't notice the amount on the paperwork, but I did. Isn't that illegal? If its not, it should be. This was a {$200000.00} loan and the loan fees were {$10000.00}!! The name of the company is 21st mortgage, the loan originator was XXXX XXXX, and real estate agent was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) So. XXXX XXXX XXXX : still on my credit report supposed be deleted 3 )  XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

I am disputing a hard inquiry on my credit report initiated by XXXX XXXX, XXXX XXXX XXXX, and STELLANTIS which occurred on XX/XX/XXXXXXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX XXXX, XXXX XXXX XXXX, and STELLANTIS, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may constitute a violation of the Privacy Act of XXXX which mandates that personal data be accessed and used only for legitimate and authorized purposes.

The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading advertising and impersonating customers. Nationwide Loan Consultants out of XXXX XXXX, Florida. I was told I qualified for a loan through XX/XX/XXXXThey told me I could get 5..99 % apr for 60 months and gave me 3 loan amounts and monthly payments. When I called and talked to XXXX XXXX he told me I was approved for a debt consolidation loan. I told him my cards are not delinquent and creditors do not typically settle debts unless they are past 90 days past due. To which he responded you have to take several steps back to go forward. I told him no and he referred me to Nationwide. I then talked to XXXX, who I asked several times if my credit would be pulled outside of their soft pull and was told no. I then received a call from XXXX telling me she had offer for what I was looking for and she already had a login and a password? That was worrisome because she was impersonating me. I have a text with the email she " set '' up for me. I went through the info and received a decline. XXXX stated that was probably due to XXXX XXXX XXXX doing a hard pull on my credit, I asked her how when I have not had a conversation and I repeatedly asked XXXX during our reported call if hard pulls would happened and he assured me they would not. When I called XX/XX/XXXX they were concerned about how I got to them and stated they do not even work with loan brokers and even though I qualified they were not able to do the loan. They also stated they have been having issues with Nationwide doing this and it was not legal. I was told by Nationwide that they charge a 9.9 % fee that is taken out of the loan. That also was not true. XX/XX/XXXX stated I should only be billed for the loan and the origination fee and stated they had to close out the loan app. I called XXXX to tell her and she said I shouldn't worry about hard pulls because the loan will clear it up? I asked why she had established a password for me and she then said its in the contract. I asked her to send to me info stating she can impersonate me and apply for loans on my behalf up to even providing me a password on the 3rd parties account. I also told them to cease and desist. I then received a voicemail from XXXX who also wanted to revert to agreement. This is bait and switch. They assured me no hard credit pulls would happen then tell me its in the agreement. Both reps were extremely defensive when I asked point blank questions about credit pulls not being authorized and that I was assured verbally by XXXX that they would not ( on a recorded line ). Bottom line is the one loan companyXX/XX/XXXX I talked to and was approved by does not use third parties like Nationwide. Nationwide was told repeatedly I do not want my credit pulled ( outside of the soft pull ) and mislead to believe that would be the case ( Misleading and Unscrupulous tactics ).
Product: Mortgage

A few years back, I was informed that I had past due Property Taxes owing to the City of XXXX. I had received no communications since these notices were sent to Wells Fargo who services my mortgage and handles taxes through escrow. I ended up just paying the amount past due plus fees to avoid further issues. Wells Fargo was unable to resolve the issue. I now have received a collections notice for another past due property tax amount. Again, because the city of XXXX doesn't send me property tax bills, I rely on Wells Fargo to service the account. This is unacceptable and I have concern for those who are unable to advocate for themselves.
Product: Debt collection

That debt is not mine I didnt not open that account. The date of the opened account has changed as well.
Product: Credit reporting or other personal consumer reports

RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 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 .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY 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 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