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

I have recently seen my credit reports and noticed that there's inaccurate information on my credit reports. It's hurting me to obtain credit. My understanding that you will investigate to assure accuracy. Please investigate the credit reporting agencies such as XXXX and Equifax.
Product: Debt collection

I have disputed this account many times throughout the years. The original creditor nor Hunter Warfield have ever been able to provide any proof of this amount owed. I am going to seek counsel if this is not removed from my credit report immediately. It has been XXXX years as of today that I purchased my home and I can prove this. I moved out of this apartment in XXXX of XXXX. I was not notified of this debt until XXXX. I immediately contacted the company and disputed this claim with the CFPB, attorney general, and the credit bureau 's. The parent company XXXX XXXX responded with an email that XXXX of their employees typed up stating that I did not provide 45 days notice. I was on a verbal agreement and had no written lease. I was on a verbal month-to-month agreement. I went into the office at the end of XXXX in XXXX and advised the receptionist that I would be leaving in XXXX. I asked what was expected of me and she advised that I just needed to return my keys. When I officially left in late XXXX of XXXX I stopped by the office and gave them my new information and left my keys. At this point it has been over XXXX years since I left the property and this was a fictitious claim to begin with. I did provide notice and the fault was on that of the receptionist who helped me. Either she is lying or she failed to take the proper steps on her end. Either way I did what was expected of me to properly leave my verbal month-to-month agreement. I have now resided in and lived in my home for XXXX years as of today and this is still reporting to my credit. If this does not get removed I will be forced to file a suit for damages caused to me for the XXXX years this fictitious claim has been reporting to my credit.
Product: Debt collection

My son lived with 2 other people on the same apartment. This was at XXXX XXXX apartments unit XXXX. XXXX NJ. After my son died on XX/XX/2017. I got notified by XXXX XXXX XXXX that I owed {$1000.00}. I have many copies of fraud used by my son or the other 2 in the apartment. Clearly my son and someone else forged and committed a crime by using my infomation. I ha e sent out numerous proof and nobody has respectfully responded. A big company like this always committs fraud. They need to be help accountable. 
Also when living at apartment XXXX. My son stole an XXXX and a gold watch as per XXXX. he went to jail shorly afterwards and XXXX   because of a XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from the Texas Attorney General 's Office stating that I was delinquent on a student loan ( serviced by the Texas Higher Education Coordinating Board " THECB '' ) and if not paid in full ( {$9800.00} ), the Attorney General would file a suit against me on the behalf of the State of Texas. The letter was dated XXXX XXXX XXXX. 

This was the first I knew of this loan being delinquent and had thought until that point that it was in deferment. 

I called the THECB on XX/XX/XXXX and left a voicemail and asked to be called back. I spoke with them on XX/XX/XXXX and they transferred me to the Texas Attorney General 's Office. Before transferring me, I asked what address they had on file because I hadn't received any sort of notification from them about the loan being delinquent. They gave me my current address but did admit that it was recently updated in their system at the beginning of XXXX which means if they did send any prior notifications, they went to the wrong address. I live in XXXX now and have not lived in XXXX  for many years. 

I spoke with XXXX in the Attorney General 's Office and I attempted to set up an affordable payment plan but I was informed I must pay it in full or they would file a law suit against me. I explained that I hadn't gotten any prior notifications and could not afford to pay the loan in full but could make smaller monthly payments until it is paid off. XXXX reiterated that that was not an option and followed up with an email giving me the following two options : " Option A : Pay {$9800.00} on or before XX/XX/ or Option B : Pay two installments of {$5100.00} each- 1st installment due on or before XX/XX/, and final installment due on or before XX/XX/. ( These two installments include the monthly minimum {$170.00} due on the XXXX of each month. ) '' I am unable to afford the options the Attorney General 's Office have given me but am more than willing to set up more affordable payments but am being told that is not an option. Additionally, I now live in XXXX and would be unable to appear in court if they file a suit in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and Inquiries On Credit Report. 


1. XXXXXXXX XXXX XXXXXXXX {$1300.00} 2. XXXX {$6200.00} 3. XXXX XXXX {$4000.00} 4. XXXX XXXX XXXX {$520.00} 5. XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a derogatory remark on my account in credit reporting agency like XXXX, transunion and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.
Product: Checking or savings account

Today Iam here to report i have been dealing with a credit union known as Alliant Credit Union Holding My Account and Hard Earned Money XXXX deactivating my card and login! i have tried to resolve the issue with the company multiple times! After they have asked me for another bank statement from XXXX bank to confirm my funds from a returned check! My first attempt to resolve the issue i got in contact with someone known as XXXX who works at the Fraud Protection Team at alliant credit union she told me to send copies of my bank statements so i did! after sending her copies of my bank statements from XXXX  she tells me their altered so i go into XXXX bank directly to speak with A XXXX  Accounts manager they told me to call Alliant back only for me to get transferred to XXXX and then for her to ignore my calls and request to re-review the Correct statement provided by XXXX  directly! It has been over a month now and different Alliant Representatives are also confused as of XXXX investigation claiming shes on Vacation for over a month?! Her Negligence is costing her co workers to make excuses for her not closing this account so i will be reporting her as soon as possible to the state attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.
Product: Money transfer, virtual currency, or money service

Atm check deposit on XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/XXXX {$300.00} Atm withdrawal XX/XX/XXXX {$1000.00} Atm withdrawal XX/XX/XXXX {$300.00} Deposited item returned unpaid XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 CREDIT REPORT INQUIRE NOT MINE
Product: Checking or savings account

Continue to not receive any cooperation from US Bank on receiving my {$25000.00} from the account they closed without provocation. Have traveled to branch bank where manager XXXX XXXX works & continue being denied access to my funds. My next step is to contact the Kentucky Attorney General and filing a complaint with that organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a student loan account from Navient that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from XXXX  without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX did their due diligence and deleted the account - I sent XXXX proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from Navient. I NEVER put my signature on a promissory note for an account from Navient. I challenge XXXX to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. XXXX holds a lot of power over consumers and it is their duty to contact data furnishers like Navient to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand correction and compensation for the incorrect and unverified late payment reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Incorrect Late Payment Reporting : My consumer report inaccurately shows late payments on three accounts, for which I was never late. These accounts include : Account XXXX : late payment reported in XX/XX/year>. 

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Failure to Conduct Proper Investigation : Despite previous disputes, you have failed to provide proof of investigation or verification of these accounts, as required by 15 U.S.C. 1681i ( a ). The consumer reporting agencies have a responsibility to report consumer information with maximum accuracy as mandated by 15 U.S.C. 1681e ( b ). 


I have included screenshots within this complaint showing the inaccuracies. Please investigate these accounts and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these entries be corrected to reflect " paid as agreed on time. '' Due to these inaccuracies and your failure to conduct proper investigations, I have suffered significant financial and emotional distress. Therefore, I am demanding compensation as follows : Financial Damages : {$15000.00} Emotional Distress : {$7500.00} Other Costs ( legal fees, higher interest rates, etc. ) : {$2500.00} Total Compensation : {$25000.00} Please correct these inaccuracies and remit payment of {$25000.00} within 30 days of this letter to avoid further legal action. Additionally, provide written confirmation of the corrections and documentation of your investigation. 

I trust this matter will be given immediate attention to resolve it amicably. 

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

My name is XXXX XXXX. I have had perfect history with paying my credit cards. Capital one bought my XXXX XXXX card from XXXX XXXX and I tried to make a payment. The bank account from XXXX did not transfer to capital ones payment process. I or a agent entered the bank account for capital one. Business as usual so I thought and co to ued to pay my account. Well I never received a notice that funds.never went through. I finally saw on the statement that there was a.late.fee. I called and the agent said there was the wrong bank account number in the system and she changed it correctly. Capital one reported me anyway unfairly. My credit score went down. First negative thing in my credit report in twenty some years. This is unethical treatment of a consumer. I did not ask to have capital one buy my XXXX XXXX card and screw up auto payments etc. I have never missed a.payment anywhere for twenty years. I tried to pay.and the wrong bank account was entered. This was immediately taken care of.and paid off thereafter. Please help me fix this in my credit report.
Product: Credit reporting or other personal consumer reports

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX NAVY FEDERAL XXXX XXXX XXXX XXXX, VA XXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts . This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear Navy Federal Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with Navy Federal and my sons Authorized User Status. As you are aware, I am the primary holder of the Navy Federal Unsecured Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. XXXX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that Navy Federal immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the Security Exchange Commission. Please add - XXXX XXXX XXXX back onto credit report, Navy Federal removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Product: Checking or savings account

I opened a TD Bank Preferred Savings account on XX/XX/XXXX with a promotion I received in email. The promotion mentioned at several locations that the Savings account would have 2.50 % APY guaranteed for 12 months with the following conditions : " 1. Be a current TD Bank Customer who received the TD Preferred Savings introductory rate email 2. Open a new TD Preferred Savings account online between XX/XX/XXXX and XX/XX/XXXX 3. Deposit and maintain a minimum of {$20000.00} but no more than {$990000.00} in new deposits in your TD Preferred Savings account. New deposits must be funds not currently held within a TD Bank retail deposit account. 
4. Link an eligible account. '' It also mentioned " Offer is limited to one TD Preferred Savings account per Customer who receives the Introductory APY email. The Introductory rate is valid for a limited time, guaranteed for 12 months from account opening date ( Note 2 ), and applies only if the daily balance of at least {$20000.00} but no more than {$990000.00} is maintained. " and Note 2 says " 2.  Promotional rate is guaranteed not to decrease during the first 12 months from account opening. Rates may increase during this time. '' I met all the conditions and earned the 2.50 % APY from XXXX XXXX to XXXX. XXXX. From XXXX. XXXX, my interest rate dropped to 0.5 % without any notice. I discovered it near the end of XXXX. and contact customer service many times trying to resolve it, but got many different answers and theories. Someone said it was an error and they will adjust it for me, but it never got adjusted. Someone offered a theory saying that because I had only 2 transactions in XXXX in my checking account, I was not qualified with the interest rate, but my interest rate will come back to 2.50 % APY in XXXX since I had 3 or more transactions in the checking account in XXXX. This theory is contradictory to the many rate guarantees stated in the promotion. Even the system is actually working according to this theory, the promotion is very deceptive. Moreover, in XXXX I found my interest rate did not come back to 2.50 % APY, and customer service offered another theory that since I did not have 3 or more transaction in XXXX, the 2.50 % APY is gone forever. This is again contradictory to their previous theory as well as the promotional offer. 

Attached is the email promotion I received and my bank statements.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted Experian, XXXX  and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need Experian XXXX  and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.
Product: Debt collection

I had requested documents from the bureaus!! I have been ignored multiple time!!
Product: Vehicle loan or lease

Subject : Urgent Issue : Incorrect Application of Car Payments and Unjust Repossession Wells Fargo Customer I am writing to formally express my deep frustration and concern regarding the handling of my auto loan account number [ your account number ]. This issue has caused significant financial distress and inconvenience for my family and me. 

Last year, I walked into a Wells Fargo branch and paid three months ' worth of car payments in one transaction. However, I was later informed by your team that there was no record of this payment. Despite numerous follow-ups over nearly a year, the situation remained unresolved until your team finally admitted that the payments were applied incorrectly to the interest rather than the principal of the loan. 

Due to this error, my vehicle was repossessed, causing my family severe financial distress. To recover the vehicle, I was forced to pay an additional {$3500.00}. This situation is unacceptable, and I believe Wells Fargo needs to be held accountable for their actions. 

The unprofessional handling of this matter has caused undue stress and hardship for my family. I request a thorough investigation into this issue, reimbursement of the {$3500.00} paid to recover the vehicle, and a formal apology for the distress caused. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. They do not care about their paying customers.