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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$110.00}
Product: Credit reporting or other personal consumer reports

I feel as though Experian is not doing a thorough investigation. They are letting these creditors report false information. Its hindering me from getting approved from anything. Also I think Experian has a fraud alert still on my report despite me removing it. Because I cant upgrade my checking account, companys Like XXXX XXXX XXXX are denying me without reason. I disputed credit acceptance and affirm multiple times. For a long time. I provided every detail they needed from me. From police reports to documents sent directly from the companies. Every single time I dispute it remains the same. And Everytime I wonder are these companys paying Experian off. My problem is with experian because XXXX and XXXX are not reporting. Also credit acceptance has a balance on my report that states {$11000.00} but how if they sold the car for {$500.00} and they want to settle for {$2300.00}. Thats incorrect and needs to be corrected.
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 having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available finds. I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

I wasn't quite sure which answers to choose on your questionnaire. Last year in XXXX I signed up for a program that would let me make payments to pay off my debt. At that time the economic increases just began. I was told my payments will go in an escrow account until they finalized a negotiation about the amount of my credit cards. I really wanted to try to pay them back but due to all the increases I need to file bankruptcy. I obtained a lawyer for my bankruptcy and he sent a letter to them to return my money that is in escrow. The letter was sent back as wrong address. I have called twice now to have them stop pulling my payments and to cancel the program. I also inquired both times about my money. They stated I would get it in 21 business days. When I called XX/XX/XXXX, the rep provided a agreement over the phone for my cancellation. On my second call on XX/XX/XXXX, I asked her when will I receive my money. She again stated in 21 business days. I asked from what date because I called on XX/XX/XXXX and went through the recording agreement. She stated from the XX/XX/XXXX call. I was very upset that they took another payment out of my account when I cancelled it on XX/XX/XXXX. She stated I will get that back. I had to use my savings money to cover what they took out. I am XXXX so I only have a XXXX check once a month. I can not afford for them to be taking my money. What upset me again was I was searching for their address for my lawyer and noticed on yelp there were reviews from other people about the very same thing I am going through! It seems they are doing this to other clients. Please Help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and the following accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have called Fay Servicing and emailed them numerous times over the last 45 days about my homeowner 's insurance. They currently escrow for my insurance but to date have still not paid my homeowner 's insurance. Since they have not paid, the insurance companies have canceled my insurance on the property. My insurance broker has also reached out numerous times and still, we have not been able to get Fay Servicing to send out payment for my insurance. I am not sure what else can be done at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX BANK Account # XXXX XXXX Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XXXX  but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

: XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXXL XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX XXXX XXXX ......
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that Experian is reporting with ( 2 ) 30 days past due, XXXX ( 1 ) 30 days past due and XXXX XXXX ( XXXX ) XXXX past due. I mailed the XXXX XXXX XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of XXXX I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
Product: Debt collection

I rented a washing machine and it stopped working completely. I had to take all of my clothes to a public laundromat. I contacted the company and they made several repair appointments but never showed up. In turn, I stopped paying for the washing machine and then schedule to have them pick up their machine. They took a long time to pick up the machine and at the same time kept billing me. I told them that I would not pay for a machine that quit working. 
One day I checked my credit report and saw that they were on my credit report as RS CLARK & ASSOCIATES. When I called the company I was very upset and still did not believe I owed them anything but because I am working on my credit when they told me that they would pull the bad report back so I could pay, I decided it was worth it. Only to find it on my credit report but marked as paid. That was not what was agreed upon. The payment manager for XXXX  XXXX  told me that RS CLARK & ASSOCIATES was part of their in-house collection and that if I agreed to pay they would pull the account back and off of my credit report. There was supposed to be no trace of them on my credit report, not even as paid because paid makes no difference in terms of dragging down my credit score.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX 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 a 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 other adverse item of information, other than records of 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

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX ( Original XXXX XXXX XXXX ) XXXX : {$550.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a few fraudulent items on my credit report in which I disputed with Experian. i sent them my police report as well. The items were verified as accurate. In response to my dispute results, I sent a certified letter to Experian on XX/XX/2020. Today XX/XX/XXXX, I called Experian and spoke with a representative who stated they do not do method of verification request. I explained to the rep I don't understand how these accounts were verified as me when they are clearly a result of identity theft and I have already proven that with the company. I also stated to the rep that according to the Fair Credit reporting Act I must provide a response within 15 days of your request, which is exactly what I did when i sent out the certified letter. In the fair credit reporting act 611 item ( 7 ) it  clearly States " description of investigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. So Experian is clearly violating the FCRA Act, by not providing me with the method that was to verify the account.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I had a loan with ally auto. I have been paying down the balance of my car every two weeks and they still repossessed my car even after I spoke with over the phone multiple times about a payment plan that they agreed on and they still repossessed my car. I have been paying every XXXX weeks. This means XXXX dollars a month and my balance has not changed and they repossessed my car. This company is a scam. I have been paying every XXXX weeks since XX/XX/XXXX and they repossessed my car in XX/XX/XXXX.
Product: Debt collection

Last year in XX/XX/XXXX someone broke into my apartment with no sign of forced entry. No one had a key to my apartment but me and it was ironically the same day that their maintenance workers had to come to my apartment to fix something. I automatically assumed it was the maintenance worker considering the facts and the condition of my apartment. And I had been hearing from the neighbors that the maintenance people over there do that a lot. I spoke with the property manager and was informed I could break my lease. She told me I could move immediately or put in a 60 day notice which I chose to do to have time to find another apartment. I then filed a police report and a detective got involved and came to speak with everyone in the office. They then got mad and tried to find a reason to attempt to put me out. They had their lawyer first send me a letter saying I had 14 days to vacate the property for violating my lease, by causing a nuisance on the property, which never happened. I went and spoke with an attorney and was informed the letter was basically a threat and I did not have to vacate. I can let them take me to court and they would have to prove I violated my lease. Of course that never happened. I paid my rent for XX/XX/XXXX as stated in the 60 day notice I would be responsible for XX/XX/XXXX and XX/XX/XXXX rent. Then come XX/XX/XXXX, after still going back and forward with me about vacating the premises after their attorney sent me that letter, I attempted to pay XX/XX/XXXX rent. They blocked me from being able to pay my rent via XXXX XXXX and online. I immediately called the office and informed I was unable to pay my rent as I kept getting an error message. I saved the screen shot of the message I was getting as well as a copy of the XXXX XXXX I filled out to pay my rent. I was told by the assistant property manager, XXXX XXXX, that they could not except in money from me, they just wanted me to turn in my keys and vacate before the evict me through court. Again, I spoke with another attorney who informed me I did not have to vacate I could let them try to evict me through court. So on XX/XX/XXXX they come putting a late notice on my door saying my rent was late and if not paid immediately they would be taking me to court for possession of property. Needless to say that never happened either. I ended up turning my keys in and moving out at the end of XX/XX/XXXX which was the agreement anyway from my day notice. During this time I also was speaking back and forth with a lady named, XXXX XXXX from the corporate office who also told me since they turned the case over to their attorney they could not accept any more money from me and that all they wanted me to do was vacate their property. Upon leaving, I gave them my forwarded address and never receive anything from them regarding a court date, my security deposit or anything. Then about 2 months later I get a letter from the collection agency saying I owe {$710.00}. And like I stated before I have all the proof and evidence that I tried to pay for XX/XX/XXXX and they would not allow me and told me they didnt want it.
Product: Student loan

I received notification on XX/XX/XXXX my loan balance went up. My loan total was {$77000.00} the start of the pandemic and was deferred by the goverment. However, my balance is now {$79000.00}. Then after reviewing documents sent to me there was one that said I was getting interest because I didn't make payments at the end of 2019. That is totally incorrect, the payments came out of my bank account for XX/XX/2019, XXXX, XXXX and XXXX. How is my loans going up when they are in deferrement by the goverment? I would like detailed account information sent to me via email and mail with the interest rate on what loans. I'm showing that {$10000.00} was added in interest in one month. I also need to know who federally that I need to reach out to regarding my complaint about my student loans to do a review on them as the balance should not be that high. My balance out of school was {$57000.00}. So, interest on my loans is {$22000.00} in 4 years? I would like information on interest on my account and a full accountant.
Product: Debt collection

XXXX my information was shared improperly also talked to third party about debt