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

XXXX : {$9100.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : {$820.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : Inaccurate reporting amount across for each CB. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX : It's reporting as a derogatory AND a collection for XXXX. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I have reached out and sent multiple letters to CB AND Collectors. I have not heard anything from anyone. Above as you can see ALL of the dates I have reached out. I have sent numerous of letters and not once I have received anything. 

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. CORRECT? However they are in Violation. 

PUBLIC RECORDS : Chapter XXXX Bankruptcy ( TransUnion/XXXX ) They are stating that the item has been verified. I have sent in multiple letters showing proof ( A COURT LETTER ) stating they the courts DOES not report any information to credit reporting agencies. I have also sent in proof from my XXXX report that the item has been REMOVE because it was unable to be VERIFIED. Please remove inaccurate information from my report IMMEDIATELY. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records od convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Prepaid card

I tried using my American Express Gift card at XXXX XXXX on this past Saturday. The card was declined. I checked the balance on line and all the funds seemed to be there. I tried the transaction again and it was declined one again. I called customer service and they said there has been a 24 hour hold on the card. I returned to XXXX XXXX the next day and the same thing happened on Saturday. I tried adding the card to my XXXX account and XXXX told me it was declined. I'm so frustrated as it has a {$3000.00} balance that I can't use anywhere.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Hard Inquiries on Credit Report by Navy Federal Credit Union Dear Consumer Financial Protection Bureau Representative, I am writing to formally dispute XXXX identical hard inquiries by Navy Federal Credit Union, which appeared on my credit report on XX/XX/2024. Both inquiries were conducted on the same day, for the same purpose, and by the same creditor. These duplicate inquiries have negatively impacted my credit score unfairly, and I am requesting the removal of the redundant inquiry. 

Issue at Hand Upon reviewing my credit report, I noticed that Navy Federal Credit Union performed XXXX separate hard inquiries on XX/XX/2024 in relation to a single application for credit card, or other financial product. However, industry standards and consumer protection laws dictate that duplicate inquiries made for the same purpose on the same day should be treated as a single inquiry.

Applicable Laws & Consumer Rights 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The FCRA mandates that information on a consumers credit report must be accurate, complete, and fair. The presence of duplicate inquiries artificially inflates the number of hard inquiries on my report, negatively affecting my credit score in a manner that is neither accurate nor fair.

2. Regulation V ( 12 C.F.R. 1022 ) Under this regulation, consumer reporting agencies are required to investigate disputes regarding inaccurate information and remove incorrect, duplicate, or unverifiable records. 
3. Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX scoring models, including FICO and VantageScore , recognize that multiple inquiries made by the same lender on the same day for the same purpose should be consolidated into a single inquiry. However, this duplicate entry has not been treated accordingly.

Request for Action I am formally requesting : 1. A thorough investigation into these duplicate hard inquiries. 
2. The removal of the redundant inquiry from my credit report.

3. Written confirmation of the resolution of this dispute and an updated copy of my credit report reflecting the correction. 

Supporting Documentation I have attached copies of my credit report highlighting the duplicate inquiries for reference. If additional information is required, please contact me at XXXX or XXXX Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure fair and accurate reporting. 

Sincerely, XXXX XXXX
Product: Mortgage

I have never missed nor have I ever been late on a mortgage payment to Selene Finance. I stopped receiving statements from the company in XX/XX/2018. I want concerned at that time, as mail delivery in my area is spotty at best. I had no reason to suspect anything being wrong and continued making my mortgage payments as usual. My payment was {$670.00} a month and i continued to pay {$700.00} a month as I am in the habit of paying additional to lower my principal. I received a letter regarding bankruptcy rights XX/XX/2018, and tried to log into my account on line. I kept getting a message that no account associated with my information could be found. I then called and was told that no one could talk with me about my account since I'm being represented by an attorney. I tried to explain to them that I am Not being represented by an attorney as and was then told I would need to call back and talk with the bankruptcy department. I called the next day and was on hold for nearly two and a half hours. When someone finally answered, I was told the office closes at 4. I called the next day and again was on hold for two hours only to get a recording to call back during regular business hours. The following day I received an email from an attorney with a letter of intent for accelerate. I then sent a letter to Selene along with bank statements showing all payments clearing my bank on time and in full. I do not know if my payments have changed due to escrow, but I have paid an additional amount for the last three months to cover this. I am still unable to actually talk to a person and I have had no response to my letter or payment statement.
Product: Debt collection

Asked for debt validation of this all edged debt with any contract they can send me saying I owe them money that was signed by me, a breakdown in charges including collection fee breakdown, original bill itemized statements, debt collection license number for the California. Im not required to pay a debt I am not responsible for and you are unable to prove that I am. The vagueness makes me think they already know It isnt mine and theyre trying to collect money from me for something that I am not responsible for by strong-arming me with threat of damaging my reputation which is actually theft and defamation. This debt collector who doesnt have a debt collection license and wouldnt give me a number that I can verify that is license pending Refused to send me any of the documentation I asked for. This is misrepresentation and According to the FDCPA I am entitled to more than a vague response.
Product: Credit card or prepaid card

Case # XXXX In XXXX of XXXX we closed a business we have had for over 30 years and in that process, we closed all credit accounts. That lead to us noticing a {$42.00} transaction that we didn't recognize but knew we didn't authorize because we hadn't made any credit card purchases for the last month. I called the phone number in the description - " Not in service ''. Called Capital 1. They investigated and told me it was a rogue computer with no traceable origin that has been hacking us for some time. A chargeback was initiated but could only be done for the year XXXX ( including this XXXX charge ) ... balance would be XXXX or less. I thanked them and moved on and to date we have made no purchases or paid any other money. 
XX/XX/XXXX Letter from Cap1 listing six transactions of {$42.00} credited and stating the card is deactivated. 
XX/XX/XXXX Letter from Cap1 stating, " We're happy to tell you that your fraud investigation with Capital One is now resolved. '' Also included, was a statement notifying me that the merchant may resubmit charges but and if so, we would be notified. That never happened. 
XXXX XXXX New bill from Cap1 showing previous balance - {$630.00}. No one could explain this number. 
Same bill shows " transactions '' XXXX on an account for which we have no possible way of using since the account card had been deactivated for over a month. This number included a new {$42.00} charge made on XX/XX/XXXX! All in all, they charged the account with 11 '' adjustments '' of {$42.00} plus a CREDIT BALANCE REFUND charge of {$580.00}. Clearly, there was a real mess in XXXX XXXX land so I called again. 
XX/XX/XXXX - Called Cap1 - went through XXXX then XXXX and finally supervisor XXXX XXXX ID # XXXX ). Again, got assurance that they were taking care of it with a XXXX  balance but I insisted that the account be completely closed even though we had had it since XXXX. My trust level was now beyond low. 
Later, I get a call from XXXX as a part of the closure process. She tells me we are indeed at a XXXX balance AND, IN FACT, we are owed money from our over XXXX points we had accrued over the years. I agreed to a check and got confirmation # XXXX. Done and Done. 
XX/XX/XXXX - brand new bill! Previous balance XXXX bucks ( XXXX, I assume ) plus late fee and interest. New balance {$460.00}. Unbelievable!!! Last call, forever. Told them I have had enough, this account is closed and should be silent and I will not be paying these charges ever. They transferred me to a much more intimidating man who then tried to get me to authorize a new investigation. I refused since I have no account to authorize. 
XXXX - Up to $ XXXX and the interest rate has gone up significantly ... bal {$550.00}. 
XXXX - Up to {$560.00} ( weird number ) but mysterious " other credit '' has it back down to {$420.00} ( Even more weird ). 
XXXX - first " collections '' type letter with warnings and red graphics XXXX scare tactics? ) Time to turn these XXXX  into the authorities.
Product: Debt collection

I leased a XXXX vehicle for my daughter. My daughter was involved in a crash and the vehicle was " totaled '' out. The crash occurred sometime in XX/XX/XXXX. I went to XXXX and leased her a new vehicle, XX/XX/XXXX. Never hearing anything about my daughter 's first car I thought everything was clear/clean. 
Fast forward to XX/XX/XXXX I received a credit bureau alert that I had a {$1000.00} chargeoff on my account. I went to the website and discovered it was for XXXX XXXX XXXX XXXX. I called XXXX to inquire and was told that the insurance company apparently had a {$1000.00} deductible and that they had sent me a bill in XX/XX/XXXX. I can not imagine that they only sent me one bill however the customer service rep confirmed they sent nothing else or no phone calls to tell me about the issue. I had to move money from one account to another and had the chargeoff paid within a few days. I understand that this is something that I must dispute with my insurance company and definitely would have done had I know there was an issue. I am in the process now of doing this with my insurance company. 
The problem is that now this chargeoff is on my credit reports and it caused a significant drop in my score. So I sent a letter to XXXX XXXX XXXX   respectfully requesting that they consider removing the chargeoff, since I had no idea I owed the {$1000.00} and according to them they only attempted to notify me one time in 7 months despite the fact I have two additional accounts with them. All in good standing. 
I received a letter back from them saying that it will stay on my credit report and that they were accurate. This has been absolutely devastating especially since I will be attempting a home refinance within months.
Product: Debt collection

I closed a checking and savings account with XXXX XXXX  XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. XXXX XXXX  however is attempting to report my closed accounts to a consumer reporting agency. I spoke to XXXX XXXX  directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the personal information on my credit report because there are multiple inaccuracies that do not match my actual details. These errors include incorrect names, phone numbers, addresses, Social Security number, and date of birth. These inaccuracies are causing confusion and could potentially lead to more serious problems, such as identity theft. 

Heres what happened : 1. Incorrect Name : My credit report lists a different name than my legal name. I have never used the name that appears on the report. This mistake was first noticed when I reviewed my credit report on XX/XX/year>. 

2. Wrong Phone Numbers : The report includes phone numbers that are not mine. I have never used or been associated with these phone numbers. I discovered this when I reviewed my report on the same date.

3. Incorrect Addresses : My credit report shows addresses where I have never lived. These incorrect addresses may have been added by mistake or due to confusion with another person 's information. I noticed these errors during my review on XX/XX/year>. 

These errors have caused complications in processing financial applications and have raised concerns about the potential misuse of my identity. I am seeking to have my accurate personal information reflected in my credit report to avoid further issues. I appreciate your prompt action on this matter.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports from XXXX, XXXX and Experian. I noticed a late payment on my XXXX XXXX line of credit. That show a late payment on 3 different monts. On XX/XX/XXXX on XXXX. XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. I was never late on this account on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I've provided a screenshot from my identity IQ account, that shows the inaccurate late payments. Im asking that the CFPB investigate this and ask the credit bureaus to provide proof, in with statements, that these payments were late on the days reported. If they can not provide proof of this. Im asking that this account and payments be updated to paid as agreed. Thank you for your time. The screenshoot of the inaccurate payments are attached.
Product: Debt collection

I agreed to try a product from XXXX that would give me information about the performance of my car. It was called XXXX. I tried it, and found that it was not giving me anything that I wasn't already getting from my car 's system. I returned the XXXX to a XXXX Store on XXXX XXXX XXXX, XXXX, FL. The employee at the store told me that they didn't take returns, and that they would take the $ 10 monthly charge off my account. I kept the XXXX for two years, and was never asked to return it ;, and, I never received another bill from XXXX. 
I received a collection notice many months later. I informed the agency of the above, and never received another collection notice.
Product: Debt collection

I have attempted contact with Equifax two times and have yet to get a resolution or verification of the inaccurate debt in question. The last letter was dated XX/XX/XXXX with still no response from the bureau.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when the transactions were authorized I was charged fees due to lagged posting of charges and credits. The issue aligns with the resent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfers

I am a stamp collector with an interest in a wide range of areas, including stamp issues of the former XXXX XXXX ( ie prior to independence ). 
I have an account with the XXXX based Paypal money transfer service to facilitate payments to suppliers, none of whom have any connection with the XXXX of XXXX. 
Due to the unsophisticated nature of PayPal 's transaction monitoring process, I have been threatened with closure of my account, despite providing explanation of my activities. 
It appears that Paypal has set up robot scanning of transaction details, resulting in delay or cancellatiion of any money transfer where the word " XXXX '' occurs. This affects attempted purchase of pre-Republic stamps and also of philatelic reference books which logically include the word XXXX '' in the title. 
Transaction interference by Paypal even extends to incidental mention of " XXXX '' in notes being provided for the purchaser 's information which has most recently occurred to me, in connection with attempted payment for non-XXXX items!
Product: Vehicle loan or lease

The amount is over 9000 and it is with wells Fargo. I do not and have not had a loan with them. I have had problems many times on this and trying to fix this I want it off my credit as it is not mine. It was in I think XX/XX/2017when added. Please fix it as it was not me and is stopping me from getting my credit fixed. I need it gone. Thank you. I have had problems in the past with Identity theft as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was enroll in Autopay in XX/XX/2021. VS had a glitch in their system and the original payment did not went thru. In XXXX, VS acknowledge that the charges were wrongly applied and reversed some of the charges. In XX/XX/2021 I received a charged of {$2.00}. I call back again to remediate this issue. The representative who took my call ( XXXX ) provide a horrible customer service. The call was done on XXXX at XXXX : XXXX XXXX easter time. I asked her an identification number and she didn't provide one. On top of that she share personal information about my PIN number which is a breach of privacy. I decided to close my account on XX/XX/2021 and would like the CFPB to review my case and get my money back from VS.
Product: Credit reporting

Trans Union is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me and correct XXXX account that is reporting incorrectly.