23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a new Credit Card Account with Navy Federal in XXXX. It was my understanding from the promotional offer that I would have an interest-free period for the first 15 months. Around XX/XX/year>, I made a large purchase on my card with the understanding I would have time to pay it off without incurring additional charges. Much to my surprise, when the next bill generated, I was being charged interest. I contacted Navy Federal regarding this concern. I was advised at that time that the interest-free option was only for balance transfers and not for purchases. This was not clear with the advertising when I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to Equifax requesting more information on 2 accounts that are listed on my account as collections. No information is provided regarding these accounts. 
NO creditor is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past five years was only intended to destroy me future and financial stability
Product: Debt collection

I sent a letter certified mail to Midland on XX/XX/2023 to ensure that this alleged debt is accurate and legitimate. Midland received my letter certified mail on XX/XX/2023 ( green receipt attached below ). I demand Midland respond immediately and send me copies of the : 1. cardholder agreement 2. documents that validate this alleged debt 3. all account statements I'm exercising my rights under the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

Dear Credence Resource Management, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail. In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added. 2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt. 3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction. Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested. 12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation. 15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report. Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully requesting for Transunion, XXXX and XXXX  to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering. 

1.XXXX  XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX XXXX account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3.XXXX XXXX XXXX  Visa credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my XXXX XXXX Act under Department of Justice.I am respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial, XXXX XXXX XXXXXXXX, and XXXX. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

11 years ago I used a loan which was originally called XXXX XXXX to start XXXX  XXXX  XXXX  at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my XXXX, because I got XXXX  and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual XXXX  XXXX XXXX. I was young and got XXXX  by them. I would like the debt forgiven as I am now actually trying to take XXXX XXXX XXXX XXXX XXXX. Not a corrupt XXXX  XXXX  and I just feel like I was robbed by them. This has been going on for over ten years now.
Product: Debt collection

AMERICOLLECT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

specialized loan servicing has not reported my payment activity since XXXX 2016 on my mortgage.
Product: Checking or savings account

The account in question is listed as XXXX  XXXX account # XXXX routing # XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX ( XXXX/XXXX ) account # XXXX routing # XXXX, XXXX  XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX  XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX & XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX and is reported to have been opened on dates above. This account does not belong to me. Please provide proof by way of a signed agreement that this account is mine. This discrepancy is causing harm to my credit score and overall financial well-being. 
Per the FCRA, I am entitled to have incorrect information removed or corrected promptly. 

Therefore, I am requesting that XXXX XXXX XXXX conduct a thorough investigation into this matter and provide me with documentation proving the validity of this alleged account. There's no such documentation that exists. I request that this inaccurate information be removed from my consumer report immediately : Please be advised that failure to comply with my request within XXXX days may result in further legal action being taken. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Product: Checking or savings account

Bank of America allowed dozens of {$300.00} charges from an area I was not physically located in on the XXXX XXXX. These were XXXX store charges. I was clearly using my debit card closer to home and while on vacation in another area. I discovered the fraudulent charges when Bank of America called me about a single activity that they believed was fraudulent. This is when I realized that someone had used my account fraudulently. I've waited a few weeks as instructed by Bank of America and they did not respond and I had to visit a branch location to get an answer. Once there, I was told that the claim was denied because the multiple duplicate charges to XXXX XXXX were not fraudulent. I opened another claim and I want my money back ASAP!!
Product: Credit card or prepaid card

XX/XX/2020 - Fraud alert received on Cell and Email about charges from Company called XXXX XXXX  XX/XX/2020 - Immediately Called Customer service. Reported that Card is with me and the charges are fraudulent. Cancelled the card and asked for a new one. 

XX/XX/2020 - Received Capital One letter that investigation is started over my dispute and confirming new card issued. There were 9 charges on the same date ( XX/XX/2020 ) totalling XXXX. 
Pl see Attachment1 # XXXX XX/XX/2020 Received letter from Capital One saying there is no fraud. {$1000.00} was charged to my card. ( Attachment1 # 2 XXXXXX/XX/XXXX Immediately called and talked to a Manager. Asked to see how far apart these 9 transactions were charged on XX/XX/2020. Protested that these were not made by my card. But was refused. 

XX/XX/2020 Letter in Attachment # 2_1 sent to XXXX, President, Financial Services XX/XX/2020 Received Attachment1 # 3 from XXXX XXXX on behalf of Capital One saying there is no fraud. 

XX/XX/2020 Seeing Capital One will not admit these transactions as fraud, decided to complain to CFPB.
Product: Vehicle loan or lease

I was hit and my car was totaled in XXXX. I had an extended warranty on the vehicle and there was a refund of the unused portion of that warranty. Because there was still a small balance on the loan and the Title was still with U.S. Bank the dealership refunded the unused warranty money to U.S. Bank. I had payed off the loan not knowing the dealership would send the overage to U.S. Bank. U.S. Bank has been over payed for the loan in the a mount of {$2000.00}. The dealership sent a check to U.S. Bank for {$2000.00} on XX/XX/2020. I have called U.S. Bank 15 times about this matter and they continue to tell me that they do not show having received the check. Multiple Bankers and Managers have promised to look into this matter and call me back. To date I have received 0 call backs. The time I have spent trying to resolve this matter can never be recovered. In my opinion U.S. Bank should be trying to resolve this matter but that has not happened. Please HELP. The names and locations of the 15 people and five call centers I have talked to can be provided if you wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX, I never contacted or contracted with this company. I contacted XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Student loan

EdFinancial has my bank account information and auto pay is set up - yet they reverse the payments then report it as missed payment. The online chat is disabled. Emails do not work. Wait time for phone call never decreases from one hour. I can not submit a survey to their customer service team either, the website always conveniently says " unable to save ''. This is the worst service I have ever received, this institution was thrust upon me mid COVID and I had no say in the matter and now they will destroy my credit history I've carefully kept perfect more than half my life. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting

I have tried for months to get Equifax to remove inaccurate and/or unauthorized hard inquiries off of my credit file. The XXXX inquiries are not mine and I want them removed immediately because they are negatively affecting my credit rating tremendously. I have an Identity theft case with FTC since last year. Please help me!
Product: Credit reporting or other personal consumer reports

I am requesting immediate correction to my credit report, which currently lists my XXXX XXXX twice. This duplication has significantly impacted my debt-to-income ratio, causing undue financial strain and affecting my ability to secure necessary financial services. There are two different payors listed on my credit report one from XXXX and one from XXXX XXXXXXXX XXXX totaling over {$90000.00} dollars in debt. This has impacted my debt to income ratio when I do not even have these loans. This error has not only lowered my credit score but has also misrepresented my financial obligations, leading to potential denials for credit applications and other essential services. I kindly request that you investigate this matter and correct the inaccuracies on my credit report as soon as possible. 

something needs to be done about these XXXX XXXX lenders.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Debt collection

Debt recovery solutions has been removed from my credit report and yet they continue to call and harass me over the phone with voicemails and calls all day long from different numbers trying to get me to agree with my voice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian and XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Sincerely XXXX XXXX
Product: Credit card

On XX/XX/XXXX, three separate purchases were made at an XXXX XXXX in another state at the same exact time, XXXXXXXX XXXX with my Apple Card. One purchase for {$610.00}, another purchase for {$26.00}, and lastly a purchase for {$280.00}. I live in another state than these purchases were made and at can prove by purchases on my bank account that I was in my state. I filed disputes and on XX/XX/XXXX they denied my disputes. The same day I resubmitted the disputes and gave more evidence. On XX/XX/XXXX they accepted my disputes of the {$610.00} and {$26.00} however did not with the {$280.00} purchase. I resubmitted that dispute that day. On XX/XX/XXXX they denied this dispute again despite these purchases being made all at the same store, the same day, and even at the same time. How can two of the disputes be accepted and not the last one considering all of this and despite being resubmitted multiple times?
Product: Mortgage

On XXXX XXXX, 2016, I asked how I can keep my home, they said I had to pay around XXXX and also I had to have a proof that I had that amount, so I did it. On XXXX XXXX, 2016 I received a letter from the bank dated on XXXX XXXX, 2016 to pay XXXX and the due day on XXXX XXXX, 2016 letter, and the post office envelope shows it was sent on XXXX XXXX 2016, so when I called, they said this is past due, we have to send you another XXXX, and it will be more than XXXX. I asked them to postpone the sale date to gather the money, and they refused. It shows the Bank wants to go ahead with the foreclosure because it is more profitable for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I disputed with TransUnion on XX/XX/XXXX. To this date, I have not received any response from TransUnion regarding the following account : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} The reported information suggests that this account was late, which is entirely inaccurate. I can provide substantial evidence to demonstrate that this account was consistently paid on time. Therefore, I kindly request TransUnion to correct this erroneous information on my credit report immediately.