23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection company, CREDIT CORP SOLUTIONS INC ( XXXX ) XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has placed a collection notice on my credit report. They state that it is a debt owed to XXXX. I do not owe any debt to XXXX. XXXX XXXX never contacted me about this debt. I filed a complaint with a credit bureau, and they reaffirmed the debt. I wrote a demand of proof letter, and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a client of XXXX XXXX since 2016 and during this time I have received pre- approved credit card offers, in which I was always denied for. The end result was always taking a hit to my credit ; unaware it was causing me to end up with a hard inquiries. Every offer, I was so- called pre-approved for, never worked out. Until the early part of this year and guess what? I took another hard hit to my credit score. False advertising and fraud is what they have done. I would like the situation justified and rectified.
Product: Credit reporting or other personal consumer reports

PER section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

12 CFR 1022.3 - Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my report without my written consent is considered Identity theft!

15 U.S. Code 1681c2 If these things aren't blocked and removed in the four days, you will be in Violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance!

Another Violation that you are not in compliance with is 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Provide me with a copy of those written instructions please...

Please remove and delete all Closed, Charge Offs, Collections, Derogatory marks, Inquires from my credit report!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : XXXX. JPMCB CARD, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation.

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up. 
2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.
Product: Checking or savings account

I called on XXXX asking to close both my accounts. Only one was closed, and on XX/XX/XXXX I was assessed a {$25.00} fee. I called on XX/XX/XXXX and had them waive the fee. I was told I couldn't close the account with a pending transaction and to call the next day. I called them again on XX/XX/XXXX to close the account and was assured the account would be closed. 

On XX/XX/XXXX I was assessed a {$25.00} fee yet again, on an account I was assured should be closed. I was given a credit, and was told to call back. On XX/XX/XXXX when I called I was told the credit was still pending for the fee, and to call back on Monday XX/XX/XXXX. 

Close the account already. It's a systemic issue where Huntington will not close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unathorized credit inquiry XXXX - XXXX XXXX
Product: Credit reporting

Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue?
Product: Money transfer, virtual currency, or money service

XXXX- I bought a used XXXX XXXX coffee grinder online for XXXX dollars. 
The seller confirmed my money went through via chase quickpay and then never sent the product nor is responding to me. So I have sent XXXX dollars to someone when they led me to believe they would send the coffee grinder to me. Seller is now not responding to any messages or phone calls. This is a scam - I have lost XXXX dollars and my bank chase is not reversing the transaction. I have the documentation to prove this is a scam but they will not even look at it. 


XX/XX/2021 - Spoke with XXXX XXXX fraud department multiple times and they insist they can not do anything about this transaction. This is a bank account tied to a real person and they can not reverse it? Many people are getting scammed by this person and I have the documentation to prove it. However they will not even look at the evidence. They just refuse to reverse it and refund my money.
Product: Credit reporting or other personal consumer reports

**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report.

1. **Description of the Problem : ** On XX/XX/2023, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities.

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/2023 and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes.

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and dissatisfaction with the handling of the numerous attempts to remove incorrect balances on charge off accounts. It is imperative to address this matter promptly and comprehensively to uphold the integrity and accuracy of financial records. 

Despite repeated attempts to rectify the issue of incorrect balances on charge off accounts, I am deeply troubled by the persistence of this problem. The inaccurate reporting not only tarnishes the integrity of financial records but also has significant consequences for affected individuals, including potential financial hardships and damage to credit scores. 

Therefore, I urge you to conduct a thorough review of the processes and procedures involved in rectifying the incorrect balances on charge off accounts. It is imperative to identify the root causes of these discrepancies and implement corrective measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00}.
Product: Vehicle loan or lease

On XX/XX/XXXX we returned the car at the local dealership. They told us to just leave the keys at the front desk and they would send the release of liability. This took about a week to get after several back and forth communications but we did get it. At this point we thought everything was done. 

About a week or two after that we received a letter dated XX/XX/XXXX. This letter stated that we owed {$2100.00}. 

I called in late XXXX or early XXXX, I don't recall the exact date. After calling the number they explained that they do an inspection after we drop off the vehicle and found that there was damage to the car, we were missing a charging cable, and there were additional fees. 

In good faith I paid the {$400.00} " Turn in fee '' as supposedly it was in the contract. I also paid the {$.00} " unpaid lease payments '' as it minimal and not worth disputing. 

I was told if I disputed any of the charges I have to mail in a letter explaining my issues. I chose to do this certified and sent the letter on XX/XX/XXXX. The letter was received XX/XX/XXXX, XXXX XXXX. 

I disputed the {$250.00} in damages as I have pictures from the day of turn in at the dealership showing no damage. I also disputed the charging cable as they didn't even inspect the compartment under the trunk floor where we kept it, this was in the pictures from there inspection. I have no way to prove that I had it in the car at drop off since they accepted the vehicle as is and the charging cable can be easily removed, lost or, stolen. 

While waiting for a response Kia financial called my wife, threatening again to damage our credit even though we have no response based on the dispute letter. Since the only options for dispute they gave us we followed quickly, we have no recourse. 

Because we value our credit, we have now sent in a replacement charging cable. This was sent on XX/XX/XXXX and was " Delivery attempted - no access to delivery location '' on XX/XX/XXXX. This cost us {$44.00} for shipping and is valued at {$1500.00} per Kia Finance. 

We still have not heard back regarding our dispute letter. The electronic version of this letter is included as a word attachment to this complaint.
Product: Vehicle loan or lease

This is more to add to complaint ID : XXXX Chase Auto called on XX/XX/2023 and told us they found the error and that the funds we paid were applied to the wrong account and the repossession was invalid. The gentleman I spoke with told me that the car would be towed back to my home on Thursday, XX/XX/XXXX, or Friday XXXX. I heard nothing by late afternoon from Chase on Thursday so I called them and they said that they are working on getting the car released back to me and will call the next day. I called again today ( Friday ) because once again by the end of the day, I heard nothing I was transferred to 4 different departments in Chase and no one knew what was going on. The car is supposed to go to auction On Tuesday, XX/XX/XXXX. I am trying to prevent that from happening because that will be another huge mess to deal with with a company that doesn't care.
Product: Checking or savings account

Did not authorize XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Disputed and received credit. 
XX/XX/XXXX XXXX XXXX XXXX For Disputed Item {$520.00} processed by bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Product: Mortgage

I represent XXXX XXXX, who is trying to stop the foreclosure of her home. Originally, the property was purchased by XXXX XXXX, XXXX 's partner of 20 years and common law husband. The XXXX separated and XXXX remained in the property. A foreclosure was initiated in XXXX. XXXX agreed to transfer the property to XXXX in XXXX, and the foreclosure was voluntarily discontinued and then filed again with XXXX and XXXX as defendants. XXXX has been working with me to try to get a loan modification since XXXX. However, Ocwen, the current servicer, will not provide any information on the account, nor will it provide any instructions on whether and how XXXX can assume the mortgage.I contacted Ocwen several times ( with permission from counsel for the mortgage holder XXXX XXXX XXXX XXXX but Ocwen would not provide information about the account without XXXX 's authorization. After making several attempts to get information, Ocwen eventually transferred me to the assumptions department, which instructed me to fax a request for an assumption. I faxed the request on XXXX XXXX, XXXX along with a copy of the deed to the property from XXXX XXXX to XXXX XXXX, as evidence of her ownership interest in the property. I have not received a response from the Ocwen about whether the loan is assumable or how XXXX could assume the loan. I have also not received a response to whether the streamlined modification offer sent to XXXX could be accepted by XXXX. When I made that request, Ocwen responded by contacting XXXX and informing their attorney that they could not reach the borrower, rather than attempting to reach my client. There is some urgency to this matter as the foreclosure case is scheduled for trial sometime in XXXX and Ocwen has not reviewed XXXX 's application for a loan modification or an assumption.
Product: Credit reporting or other personal consumer reports

This XXXX firm leverages United States consumer information, securitizes consumer data, and trades on it on the XXXX XXXX XXXX to make revenue. Nonetheless, when doing business in the US, Experian obligated by the FCRA and the SEC to report accurate accounting. Consumer has advised ALL accounts mentioned in FTC report were fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer so consumer is now requesting your company to provide the documentation used to determine accounts were indeed authorized by the consumer. Experian has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-Oscar report. If your company does not have documentation to show these were in fact authorized, it must be removed ASAP. Said company is liable under the SEC to follow certain rules. All prospectuses and most recent filings such as XXXX and XXXX can be attached as requested. 

Experian Firm Reference Number : XXXX According to FINRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Consumer will be filing Form 211 Treasury OMB to audit consumers account. Experian gets paid by third party non-affiliate institutions to place information on consumers account. Then securitizes consumers data to further increase their revenue yet refused to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

I had a medical debt show up on my credit report, I disputed it and there was a lack of proof, so the credit bureaus took it off ( around XXXX ). A month or so later a new bill in the same amount for the same false medical bill showed up under another name ( PHNX FINAN ) in the exact amount ( {$1600.00} ) on my credit reports. I was not notified that a debt was sold or purchased. I called the company PHNX FINAN ( Phoenix Financial ) at XXXX and asked them to send me proof. This was around XXXX XXXX, I believe. A couple weeks went by and I received nothing. I called back and they asked me to wait a few more days. I called back a week later ( not sure of date ) and she stated that it showed that it went out on the XXXX, but that she would send out another. I never received anything from the company. I spoke with XXXX today, XXXX XXXX, XXXX, and she stated that she sent it out ( inferring one time ), I said well I have not received anything and I have sold that house and need to give you the new address and would you send a copy there. She said that she was not going to send me out another copy. I am not responsible for this medical bill and my rights have not been upheld by this company.
Product: Checking or savings account

Subject : Formal Complaint Regarding Unjust NSF Fees by Navy Federal Credit Union Dear Sir or Madam, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding unfair and deceptive practices related to non-sufficient funds ( NSF ) fees. On XX/XX/year>, Navy Federal imposed NSF fees on my account despite having sufficient funds available at the time of the transactions. Their refusal to reverse these unjust charges has prompted me to seek your assistance. 

On XX/XX/year>, Navy Federal charged NSF fees for transactions that were covered by funds in my account at the time they were initiated. I reviewed my account activity and confirmed that there was no legitimate reason for these fees to be applied. Despite multiple attempts to address this issue with Navy Federals customer service, including [ specific steps you took, such as calls, emails, or branch visits ], they have declined to correct the error or provide a refund for the fees.

These charges have caused me financial hardship and eroded my trust in Navy Federals banking practices. As a consumer, I expect fair treatment and accurate account management. Navy Federals refusal to rectify this issue undermines that trust.

I respectfully request that the CFPB investigate Navy Federals practices and take appropriate action to ensure accountability. Specifically, I ask for the following : 1. A reversal of all NSF fees improperly charged on XX/XX/year>. 
XXXX. A review of XXXX XXXX fee policies to prevent similar issues for other consumers. 

I have enclosed the following documents to support my complaint : XXXX. Account statements from XX/XX/year> showing sufficient funds. 
XXXX. Any correspondence I have had with XXXX XXXX about this issue. 
XXXX. Additional documentation as evidence of the error. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This attached DISPUTE LETTER serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. 

I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 This account was dismissed in 2019 by XXXX County. The judge found the case on my behalf.