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

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself at risk, permanently. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor my account and notify me if any fraud occurs. I did not choose to do business with Equifax nor grant them permission to host my information. I have never had any direct interaction with Equifax, including being notified that they have mishandled my information ( which, again, I only learned of through social media ). 

I do not want to pay a single cent for any measure of credit protection or ability to review my credit report through Equifax, ever. The damage they have caused me is quite literally irreparable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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: Prepaid card

During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.
Product: Consumer Loan

PRIZIM Financial based out of XXXX, OH is the rudest, most abusive company that I have ever come into contact with. I called them regarding a mix up with my auto payment not coming out and they screamed at me, sent several emails back to back, threatened me with legal action ect, sent me emails accusing me of not having car insurance and bouncing payments and all for a payment that was only 18 days behind. Prior to this I had never been behind and I have never been more disrespected when dealing with a company than I have with Prizim financial.
Product: Checking or savings account

they won't allow me access to my account online and buy phone they forcing me to go to a branch and the branch nowhere near me I'm in XXXX Virginia the closest branches and DC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I viewed my Equifax credit report. In the inquiries section I noted duplicate inquiries for XXXX  XXXX on XX/XX/XXXX and also for XXXX XXXX on XX/XX/XXXX. I disputed these inquiries online with Equifax, but my results stated these inquiries are factual information. Perhaps it was misunderstood that I was not stating that I did not authorize these companies to pull my credit for that date, but rather I am stating that there should not have been duplicate pulls for the same date for these companies. I did not authorize any duplicates. There should only be one XXXX XXXX inquiry for XX/XX/XXXX and one from XXXX for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX  and I I uses everything to survivive and I'm still XXXX  in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing
Product: Debt collection

They are not just calling me everyday, three to even five sometimes more per day, they ( XXXX XXXX - Sallie Mae ) even emails me daily, sometimes more than once a day. The fact 's are this is my grandson 's loan I am only a co-signer. He is not in default but having an issue between XXXX XXXX ( whom really is the big problem ) and acquiring a loan to get back into school. They kicked him out the day before finals because our loan was not complete which put him into an XXXX. We got a loan through XXXX and the school refuses to enroll him so the loan ca n't be excepted. It is bad enough that he is paying XXXX for classes he had XXXX in and was not allowed to finish the semester but the fact the kicked him out right at finals ... is wrong. I am trying to help him and XXXX is trying to resolve this and get a forbearance or something but no one is helping him. In the meantime I am being harassed for being a co-signer and this is not only illegal but beyond stressful. They are emotionally tormenting me, harassing me, stalking me via phone and email. I am a XXXX year old woman and I can not have this kind of XXXX daily. They need to work with my grandson so I can further co-sign but to harass me for signing when he is only a few days late and not DEFAULTING it abusive!!! I ant something done NOW please help us and help me I am too old for this kind of worry, stress and craziness. A co-signer should NOT be Harassed EVER. Notified of the issue yes but stalked via phone and email several times a day ... that is mentally tormenting and stalking me. Sallie Mae needs to be punished for this behavior and in away that will make them think twice before allowing this kind of torment especially to a co-signer. Please help us. Please!!! 

Respectfully Yours, XXXX XXXX
Product: Credit reporting

I filed a dispute on my report XX/XX/2016 and sent in proof that the account was released. This judgement was entered in error and is now preventing me from getting a loan. It has been greater than 14 days and I simply do not have time to continue to send letters when proof has already been sent over.
Product: Debt collection

There is a charge on the account for {$930.00}. The account was opened without my knowledge and I notified the company of this. The company did not assist me in removing the charge from my account. I had no knowledge of when this debt was added to my credit report. I have no other credit history besides this charge. The charge was sent to collections before I had the knowledge of it to pay or resolve it.
Product: Checking or savings account

I had five IRA CD accounts with Capital One. They had decent interest which evaporated in a year. 

Recently, they decided to simply drop handling IRAs. They informed me that in XXXX sometime they would transfer it to XXXX. They consolidated the accounts into one except for a CD that had not yet matured so I have two accounts STILL with Capital One. 

After some research, I decided to shift the entire amount to XXXX. Today, they informed me that Capital One said they aren't handling it and I needed to provide the XXXX  account information -- which of course I do not HAVE because Capital One is still holding MY money to apparently do with as THEY wish, not as I have directed. I spoke with them today, XX/XX/2022 and was informed, as evidenced by logging in to my account, that the funds are still held by Capital One. 

This is quite simply fraud. Can you help me? 
Thank you for your attention. 
XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time transactions were authorized, I was charged fees due to delays in the posting of charges and credits. These practices reflect concerns highlighted in recent CFPB findings against Navy Federal, where transactions settled with insufficient balances despite initially available funds. I find these practices to be unfair and request a thorough investigation into my account transactions.
Product: Credit card or prepaid card

I have a loan withBANKAMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and BANKAMERICA with no successful resolution. XXXXn only reporting me late. There was definitely an error on their part.
Product: Vehicle loan or lease

when i got my car XX/XX/XXXX ive been paying XXXX a month since I got the car. i was forced to trade in my old XXXX for this now XXXX XXXX to a new dealership because the one i got the XXXX  from didn't service it correctly and after XXXX miles after being serviced the car blew a rod in the motor and dealership says was my fault went from a XXXX percent interest and XXXX car payment to now paying way more. More the double the interest and more the doubt the car payment as well. i still owe XXXX on this current car but it not even XXXX XXXX  at XXXX how is this right or even remotely fair, for me and my kids I'm now struggling more than I ever have in life. now having a recall on my motor for this car I've had 2 years now and they already had to put a used long block in the car until a permeant fix is found.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the findings of the investigation conducted by the credit bureaus regarding the accuracy of the information on my credit report. The credit bureaus have stated that the Account Name and Account Number were properly investigated, but this is impossible when the open date, the date last active, and the date last reported are all inaccurate. These discrepancies are grounds for the removal of the account from my credit report. 

Additionally, my rights under XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), have been violated. This law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided written permission for these accounts to be furnished on my credit report. 

Given these violations and inaccuracies, I am requesting that these accounts be removed from my credit report immediately. I expect prompt action to address these issues in compliance with federal law. 

Sincerely,
Product: Mortgage

Contacted my mortgage lender back in XXXX for a refinance at this point I disclosed to them that I had a soft second lien on the mortgage, they said it should not be a problem, they ordered the appraisal. I had the appraisal done and they said that it would not work because it did not come in high enough. I asked if I took my husband off would it work they said yes. They proceeded with the refinance, 2 weeks later the loan officer told me I would need to pay off a debt that was in collection. I told him I didn't have that sort of money and was on a payment plan. He asked if I had a 401K, I replied yes he said you could take that out and pay it off. I took a loan out against my 401K to pay off the debt. I asked the loan officer several times if this would work becuase I did not want to pay this off if it wasn't going to work. He assured me many times. I received a phone call approximately 2 weeks later from another loan officer stating that it was not going to work because when they pulled the title the soft second showed up and wouldn't allow the refinance to go through. I became very upset because this is exaclty why I disclosed this information at the very first phone call. I now paif {$150.00} appraisal feel and took money out of my 401K which I have to pay back monthly. I am now in a worse situation financially than I was previously. I asked them what was going to be done because I was told repeatedly that it would work. They said they would get back to me and of course no one did, I then spoke to someone in customer service and they said they would get back to me and no none did. Today I finally heard back from someone and they said there was nothing they could do. I asked who would be held accountable for this mistake? I received no answer. I was deceived and lied to and put in a financial situation because of someone's mistake. All of their calls were recorded and they stated that everything I stated was true.
Product: Debt collection

Today, XX/XX/2020, I received a letter from Century Credit & Collections , LLC. This is the first time I have received a letter with my daughters name attached. It states false information. I called the company and spoke to XXXX XXXX who wrote the letter, she has always been nasty and mean to me in the past so when she knows its me she automatically is rude and careless about my concerns, her tone of voice and rudeness has proven she does not like me. I explained to her this is the first time with my daughters name attached she said oh yes, you have several accounts in collections with us explaining mine and now my daughters, so she combined her bills with mine and she said the amount and I stated no my daughter has a primary insurance and secondary and I have provided anything the union has asked for, she cuts me off and stated it doesnt matter that they are a third party company and she doesnt discuss insurance I said no insurance will pay she said too bad that this will be reported and it will damage my credit report. I told her I dont care ( because Im Upset, shes always rude and mean to me always threatening me ) and I know where to file a claim and she hangs up on me. I called back requesting to speak to the manager and she said she was and I said ok well you have issues and I will need to go above her because she would not allow me to leave a complaint, and she said she doesnt care and that she will notate that on my account and hung up on me again. 

Back to the union, every-time I spoke to the union they said all bills have been paid. This is the first I am aware this bill went to collection ( for my daughter. ) all my daughters bills have always been covered. I have emails correspondence with the union for any documents they request in order to cover my daughter. All her other well baby check ups have been covered I dont understand why this one is now reporting incorrectly and is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 sections 602 states i have the rights to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

dates are XX/XX/2022 and XX/XX/2022 The amount is {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a GAP credit card on XXXX, XXXX, 2022. It was approved by BarclaysBank. I was able to make a purchase two days after being approved for the credit card with no issues. Tried to make another purchase and was denied. I called customer service of the Gap. It was said that I had to contact the Barclays Security Dept in which I did. Was told that there was a freeze on my account due to them needing more personal information. I sent them the additional information that was requested. Which is the same information I submitted to them when I applied for the card. I received my first bill and wanted to make payment but was unable to because of the security block they put on my account. The system didnt recognize my info that was given in order to make payment. By this time another month accumulate with late fees and reporting to credit bureau. Which dropped my scores down to XXXX points!!! Which I hard knock!!! I called on XXXX XXXX, 2022 at XXXX to see why this was happening. I spoke with a customer service ( representative to see why this has happened. She replied, Oh they never took the block offf your account!!! So within two seconds removed the block off my account. She also stated whether or not the block is taken off the late fees still applies.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX. Account XXXX  XXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( 1 ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Product: Credit reporting or other personal consumer reports

This is regarding an issue from XX/XX/year> and the amount in question is {$640.00} and the incident was there was a missed payment to a mortgage company named Valon and they have me in their system as a cosigner since it's a joint mortgage, however, after speaking to a representative of their company and explaining that I am not the primary payer towards the mortgage that any missed payments should not reflect on my credit report because it's out of my jurisdiction and I also let them know since I'm not able to make independent decisions regarding this mortgage as if I'm on it by myself they shouldn't penalize me because the primary repair missed aamonthly payment. I've explained this to them, as well as, take credit bureau agency XXXX of the entire scope of the situation and defending myself not being in fault of this action.