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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been marked as inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX, XXXX XXXX
Product: Credit card

I am a victim of identity theft. When I reached out to the issuing bank to help me recover my money they ignored my request and cause me harm to my personal information
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

For almost a year XXXX has refused to correct their error. 
There error has resulted in damage to my credit with XXXX Full documents attached. 
XXXX
Product: Credit card or prepaid card

Walmart credit card, by Synchrony Creitor, was stolen and used multiple times for purchases and cash back and I was made aware of suspected fraud through a courtesy email sent by Walmart. Upon checking my account in early XX/XX/XXXX, I became aware that my card had been stolen among other things on XX/XX/XXXX. I reported fraud to Walmart, they clarified the fraud, but never removed the amount due from fraud. I disputed error when notated on credit report, but results were marked with Accurate, and still remains a valid error on my account causing harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX 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/year>
Product: Debt collection

Halstev Financial services calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.
Product: Debt collection

They call multiple times a day, leave messages, text messages none stop. They left a message saying they would start to garnish my salaries
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 postings of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insignificant balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 card or prepaid card

I am writing to request your assistance in verifying the charged-off status of an account listed on my credit report. I recently discovered that this account is reported as charged off, and I believe it is essential to validate this status by ensuring the creditor has complied with the required tax reporting obligations. As per the Internal Revenue Service ( IRS ) guidelines, when a creditor charges off an account, they are obligated to file the appropriate tax forms, such as Form 1099-C ( Cancellation of Debt ), with the IRS. These tax forms provide evidence that the debt has been canceled and allow for the proper reporting of the canceled debt for tax purposes. I kindly request that you investigate whether the creditor in question has fulfilled their tax reporting obligations by submitting the necessary tax forms to the IRS for the year in which the debt was canceled. The submission of these tax forms serves as crucial evidence to support the charged-off status of the account. If it is found that the creditor has not fulfilled their tax reporting obligations or if they are unable to provide evidence of the filed tax forms, it raises significant concerns regarding the accuracy and validity of the charged-off status of this account. In such a case, I request that you take appropriate action to remove the charged-off status from my credit report. I would appreciate your timely attention to this matter. Once your investigation is complete, I kindly request a written response detailing the outcome and any actions taken. It is important for me to have an accurate credit report that reflects my financial standing accurately and in compliance with all relevant regulations. Thank you for your prompt assistance and commitment to resolving this matter. Should you require any additional information or documentation, please do not hesitate to contact me. I look forward to your favorable response. Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Checking or savings account

On XX/XX/year> I received a text message from sofi bank to claim my XXXX bonus and I knew it wasn't true and then my account was cleaned out of XXXX $ to an XXXX XXXX! I immediately contacted the bank and they said they were investigating it and now they are saying they are not giving me any money back because I committed fraud and they are closing my account!
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX & XXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached # XXXX a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Mortgage

Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. 

PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX )  {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. 

What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. 

The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. 

Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I opened an account with Transunion with the need to check my credit score. I was advertised that it was a free service but after completing the account I was charged XXXX XXXX This information was not clearly presented to me during the process and although I was a little annoyed I did not take any action. Four days ago I was checking my back account and saw that they once more automatically charged XXXX $ on my card ( on XX/XX/2021 ). I did not requested for any subscription but apparently this is a tactic they use. I logged back on Transunion online account to cancel this subscription and they have no clear way to do so. Online you can find several people in the same situation trying to cancel the subscription and failing. The only way to do so is to call them, but even this results difficult due to the poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy with Experian and XXXX twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. Experian and XXXX is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as Experian and XXXX is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.
Product: Credit card

My wife and I have two credit card accounts with Bank of America. One ending in XXXX and the other is XXXX. In XX/XX/year> we called to BofA customer service to console the accounts into. XXXX. We were assured at the time that this would occur Later in XXXX we logged into the website to payoff what we thought was the combined balance and account XXXX did not appear on the screen after logging in. Suddenly out of the blue, bofa began reporting this very delinquent balance. In addition to this not showing up on the website, we had no other communication showing there was a past due balance. This is the fault of BofA
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, we purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, Colorado. We knew we were going to finance it, but had not had a chance to verify the latest rate with our preferred lender ( XXXX ). When we told the sales person we wanted to verify the rate and then close the deal, he told us we could just put a downpayment on the car, and complete " the paperwork '' with his finance department with the understanding they would hold the paperwork for a short time while we confirmed the rate with XXXX. I was to let him know our decision the next day ( XX/XX/XXXX ). 

I verified the rate, XXXX was lower. We contacted the sales person by email on XX/XX/XXXX sending him the paperwork he would need to give to the finance department to complete the deal with XXXX 's financing. The sales person did not communicate with the Finance Department or he did and they ignored him. Over the XXXX, the Finance Department  initiated 2 hard inquiries on one credit reporting service, and 4 on a second credit reporting service and completed their paperwork, signing us up for a loan with XXXX XXXX. 

When we found out, I contacted the sales manager and got no movement. The Finance Manager reached out and basically told us we could choose to refinance the loan on our own if we wanted - but that we had 'signed the paperwork so he didn't feel he needed to do anything else '. We contacted the XXXX XXXX XXXX and I reached out to the sales manager by email - letting him know we had contacted the XXXX  and that whether it was a communication mishap or whatever, that we were not happy with the deal and wanted them to honor the agreement made with their sales person. They eventually responded to the XXXX  by supposedly buying out our loan with XXXX XXXX and replacing it with the loan from XXXX as requested. We expected them to reverse the hard inquiries on our credit report. They did not. I reached out to the Sales manager again, and asked him if they had a reason they could not reverse the hard inquiries. He did not respond. So we went back to the XXXX  and replied that our complaint was not complete. The Finance Manager responded to the XXXX  that we had signed the paperwork so he was not going to take any further action. Again... that wasn't the deal we made with their sales person - and even though they took partial action, my credit rating went from the low to mid XXXX 's to the high XXXX 's on both credit reporting services. 

My credit is important to me - and XXXX hasn't given me any logical explanation as to why they can't reverse inquiries that should never have been made against my credit. 

I have attached emails and the XXXX chain of communication to cover details I may have missed in this overview.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX to send me a 1099-C since they have stated that my account is charged off. They have my last payment date as XX/XX/XXXX and that they charged off the account XX/XX/XXXX. I sent them correspondence XX/XX/XXXX requesting that information however I have received no response, as it is well past 30 days. I also do not see where they notified the credit bureaus either, which are all violations of the FCRA. We are past the collection statute of limitations in California. They are continually reporting " CO '' on my credit report as a way to keep the most negative status possible, yet they have wiped out all of the previous positive information especially on Experian. I have previously disputed with Experian, but they seem to keep updating a more accellerated negative status as possible. When I have asked them to verify with specifics they will either deflect to a frivilous response or not investigate at all. XXXX is doing the same thing and not properly verifying the specifics. 
Long before this event occured I attempted to communicate with XXXX and they were not receptive. I even reached out to them after speaking to a non-cooperating manager to advise them that I am trying and no response other than threats. During that time XXXX XXXX XXXX XXXX  and everything financial was a struggle once the Pandemic came.I am XXXX  and needed a little more time or a payment plan. There are also some documents that I have with some fraudulent/invalid information on it that I have a legal third party investigating. Hopefully, we can come to some sort of resolution so this does not have to escalate any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX  consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from my credit report.