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

Orginal lender account was set up auto payments. Then with XXXX i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with XXXX without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as XXXX XXXX past due to the credit bureau.
Product: Checking or savings account

Continue to receive multiple requests through email from Navy Federal Credit Union to approve direct deposits the XXXX most recent on the XXXX and XXXX of this month in the amount of XXXX discontinued banking with them about three years ago and have reported this several times to their fraud and phishing addresses and platforms
Product: Debt collection

I had my XXXX in XXXX 2012 and received the XXXX bill shortly after. I paid the bill. I never heard anything again until last week ( XXXX XXXX week ) when i received a letter from a collection agency. I work out of state and I can not pinpoint the exact date the letter came. I opened it XXXX XXXX and called them XXXX XXXX. They said I was invoiced 3 times and never paid according to their records. I know I paid the bill but to go back to research it the bank charges more that the bill was for the copy of the cancelled check. The bill is for XXXX. I know for a fact that it is paid and i think this is a scam.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 to present an Ive attempted to have A Closed Account displaying damaging, derogatory, and negative information removed from XXXX and Transunion. This same closed account has been removed from XXXX. Under the law A Closed Account can not contain negative or damaging information, The Account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$7000.00} US DEPT ED XXXX Balance XXXX {$1800.00} US DEPT ED XXXX Balance : {$810.00}
Product: Credit reporting or other personal consumer reports

XXXX link my information during data breach Capital one account date open XX/XX/XXXX needs to be removed in violation of 15 USC 6802 ,15 USC 1681b and18 USC 1028A and must be removed immediately. 
XXXX  XXXX XXXX XXXX account date opened XX/XX/XXXX needs to be removed in violation of 15 USC 6802, 15 USC 1681b and18 USC 1028A and must be removed immediately. 

XXXX link my information during data breach XXXX XXXX Reported date XX/XX/XXXX needs to be removed in violation of 15 USC 6802, 15 USC 1681b and18 USC 1028A and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$5800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$1600.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX {$1500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} XXXX Date XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$640.00} XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$520.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$490.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$420.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX Date XX/XX/XXXX inquiries XXXX XXXX. Date XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is in regards to a late payment reported XX/XX/XXXX on my auto loan. I spoke with a Bank of America representative on XX/XX/XXXX to set up autopay on my account, the agent confirmed that autopay had been set up. However, I found that my payment for XXXX was never made, and that my account went into late payment status, and that this was reported to credit reporting agencies. 

I reached out to another Bank of America representative on XX/XX/XXXX to rectify this matter and received a case # XXXX. Additionally, I sent a message directly to Bank of America through their secure message service. 

I received both a letter and a message from Bank of America stating simply that " their reporting was accurate ''. They neglected to address the fault of their agent in contributing to this situation. 

I replied to Bank of America through their secure messaging system on XX/XX/XXXX, but I have not received a reply.
Product: Credit card

I started to activate my card and the customer service rep Asked my address which I gave and she said that is a XXXX which Which was not allowed and I said it was on all my paperwork License etch. She no, I paused for minute to think if I should use Use my current address or my mothers as I was going there Because she XXXX. 
Needed the card to purchase airline tickets as I don'tLike to use my bank debit card online. 
I wanted to think for a moment so I asked if could phone back And she said yes no problem Not bothering to tell me they Were in fact. Closing for the nite. I tried to get refund from XXXX .they did not care would do nothing. 
I tried to activate online, no luck. 
They froze my account and the XXXXin it I have sent them by fax, my drivers license, state id, social Security card, voter id, XXXX id, letter from Alaska DHS, A latter from my bank And they still have not activated my card I told my mother XXXX they do n't care My mother XXXX tonite and XXXX the The card is Netspend Stay away!
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance letter said info from Equifax influenced my premium and only Equifax can provide details. Equifax can not send my report to me because they can not verify my Identity. 
Equifax XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report. The item in question are : XXXX XXXX Account # 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 
Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable.

According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report.

Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance.

In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law.

I also request the Method of Verification ( MOV ) for how this information was verified.
Product: Mortgage

i recieved a predatory loan in 2008 from XXXX, then whitney and now hancock of XXXX fl.the president of XXXXand his sister construction loan officer stopped my draws my loan was for XXXX to complete my home i still had XXXX to use i could not go on so my home was nt finished i got out my loan papers which were mailed weeks later i went over and over i seen where they put my income at XXXX a month my actual income was ssi XXXX that i gave them proof of my co-borrow XXXX they put her income at XXXX actual was XXXX our combined actual income was XXXX not the XXXX they listed my assets the home where the house was being constructed i paid XXXX they put it as XXXX i also had XXXX vacant acres i paid XXXX 6 months prior they put dowm XXXX on loan docs XXXX different % rates XXXX different loan officers signatures with XXXX different dates which means XXXX signature is a fraud i have been trying to get help forever now i got forclosure papers i lost everythig this was my dream home and have nothing i have all docs to prove what i say but dont know where to turn aty gen fl., hud, i amm on ssi and get only XXXX per year so i cant afford an atty i even contacted the fbi by email and phone they have never once got back to me they listed my net worth at the time as XXXX know way is this true maybe XXXX if that know nothing we didnot lie on our app we gave them our proof of income when siging they put papers in front of us and we just signed our loan docs were mailed to us weeks later and i never looked at until they stopped my draws that should have terminated the mortage i would have finised my home and been living in it instead of being forclosed on now there is so much more to this and i have all the proof
Product: Credit card or prepaid card

I attempted to make a credit card payment of {$1500.00} on XX/XX/2020 to Wells Fargo. I was under the impression that the payment had gone through. I never received a confirmation because I thought it would take a few days for Wells Fargo to receive the money from my credit union checking. I checked on XX/XX/2020 and it showed that the payment did not go through. I was charged a {$25.00} late fee and {$20.00} of interest. I was also under the impression that I had an automatic payment set up to pay the minimum balance on the card each month in case I forgot/ a payment did not go through.
Product: Student loan

After graduating college in XX/XX/XXXX with the effects of the XXXX recession still in full force, I was not able to start paying the full monthly payments. Instead of being offered options when asked, I was told only forbearance was possible. After using up all my forbearance, I asked again if there were any programs available to help with lower payments and was told there was. In between these times, Id have Sallie Mae agents calling me and telling me I owed a payment in harassing ways, even though I was on forbearance. Between the harassment and lack of help while on forbearance by Navients former company, Sallie Mae, I have paid around {$150000.00} so far with almost the same amount still owed. Four loans accrued anywhere from $ XXXX in additional interest. Ive paid in good faith for a long time, but due to not being helped when asking for it initially and what feels like purposely pushed into the full use of my forbearance, this was done to take advantage of me and create a never ending cycle. I currently pay {$1700.00} a month and the balance doesnt go anywhere.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the followin

g : 1.Confirmation of corrections made to the disputed items. 2.Assurance that these inaccuracies will not
be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

I am in the process of purchasing a home. A critical task to qualify for the mortgage is to remove my name as an authorized user for the Bank of America credit card, account number XXXX. I contacted your office on XXXX/XXXX/16, requested to be removed and for written conformation to be faxed or emailed so that I could provide it to the mortgage company. For whatever reason, you stated that you could not fax or email the letter and that you would have to mail the letter confirming the removal. After waiting three weeks, I contacted your office again on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16, to request written confirmation. Since you failed to send anything after the first request, I demanded, and you agreed, that fax the letter directly to the mortgage company and mail it again. The faxes never went through and I have not received it in the mail. Without this letter, I will not qualify for the mortgage ; I will suffer financial losses and lose out on purchasing the home of my choice. I do not understand why you can not scan and email this very simple letter and why you would treat a valued customer in this manner. I would like the letter scanned and emailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : XXXX, XXXX XXXX XXXX, for {$610.00}, has violated my rights. 
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.

I don't owe this company, if this company failed to provide accurate information about my identity, legal action will be taken to solve this matter because this is illegal according to the Fair Credit Act.
Product: Debt collection

After reviewing my credit reports on XX/XX/2021 on XXXX  and XXXX  I noticed that a company by the name of LVNV Funding LLC is reporting that I owe an account to them with a balance of {$210.00}. I have never held an account with such company and this balance is the result of fraud. I am asking that LVNV remove this listing from my credit reports immediately upon conducting an proper investigation. I have no recollection of this account or any other accounts associated with this debt. My identity was stolen a couple years back and this account appears to be the result of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

These four closed/chargeoff accounts must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 

XXXX  XXXX XXXX - Past due balance {$530.00} XXXX XXXX XXXX - Past due balance {$480.00} XXXX XXXX  XXXX - Past due balance {$1000.00} XXXX XXXX - Past due balance {$48.00}
Product: Money transfer, virtual currency, or money service

I opened a 12 month cd account with Webster Bank through their online banking which is briodirect. After opening the account I had {$20000.00} transferred from my XXXX XXXX XXXX savings  account into the cd. XXXX  XXXX XXXX has verified the routing number and clearing account number and also received confirmation from Webster Bank that they received my money. Webster Bank denies all of this and says that they never got my money and that it is an issue with XXXX  XXXX XXXX. I have filed a claim with XXXX XXXXXXXX XXXX but the claim will take up to 45 days to get my money back. In the meantime I'm out {$20000.00}.
Product: Credit card

I closed my account with Home Depot and made arrangements with home depot to have my monthly payments automatically deducted from my personal bank account. I recently applied for a mortgage and discovered that Home Depot was reporting to the credit bureaus that I have been late every month since XXXX XXXX 8 months straight ). I contacted Home Depot to explain the situation and all they could do was apologize over and over again. I was told that someone should have told me that the past due amount would still be delinquent until the monthly payments pay it off. I informed them that I was not made aware of that at the time of entering the payment arrangement. I asked them to write a letter so that I could send to the Credit Bureau but once again they only offered a verbal apology and said that they could not type a letter. I need this incorrect reporting removed from my credit report so that I can qualify for my mortgage.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX  - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$910.00} UNAUTHORIZED MEDICAL BILL - XXXX - XX/XX/XXXX - {$890.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this in numerous times, the two entries of a XXXX account on my Equifax report ARE NOT MY ACCOUNTS, Equifax claims to have verified these accounts as being mine when in fact they are NOT my accounts I was listed as a authorized user and in fact Equifax states on the reporting im an authorized user ... I want this mistake corrected and removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

To whom it may concern, I wish to report an incident that occurred between me and Ally Bank on XX/XX/2022. I was sent a payment of {$370.00} through the XXXX XXXX, to my bank account at Ally Bank. This was an amount owed to me by someone that I know, who reimbursed me for a service provided, which I have a receipt for as proof. A few weeks after the payment was made, the person who made the payment contacted their financial institution, which is XXXX XXXX XXXX, with a claim that they sent the funds to the wrong person, and challenged the payment demanded back the funds. Per the terms and conditions of XXXX, XXXX transfers are irreversible, and not refunded if both people are verified members of the XXXX network. 

I checked my account one day, and noticed that the balance was not correct, and called Ally Bank to find out why there was a discrepancy. They informed me that they sent the money back to XXXX Bank as an ACH Debit without informing me, and regardless of the fact that they had no legal right to return the funds. They also advised that it would not be possible to dispute the transaction. I spoke to Ally Bank numerous times and told them I have the proof that the payment was valid, and that she sent she funds to the correct person. Allys response was to either hang up, or refuse to deal with the matter, regardless that they knew that they had no right according to XXXX terms and conditions to return the funds ( which is why they did it as an ACH Debit ). 

Ally Banks attitude and illegal policy based on made up rules shows they have no concern about the law, policy and have no regard for their own customers. Their attitude toward their own clients is reprehensible, and they are in violation of the Federal Bank Act. The FTC will also be informed of their violations and be asked to review any other complaints to see how many times Ally has done this in the past, and ask that the FTC start criminal action against this bank. I want that this complaint to go public, so that in the future they will never do this to any of their customers again.