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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also Global lending service denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.
Product: Credit card

I called and spoke with representative because there was a late payment on my acct and my payment was never late. I was unaware that they sent payment back once I made a payment on the account. The representative looked into the matter and advised me to dispute because it shows my payment was paid on time but wasn't aware that payment was sent back.
Product: Credit reporting or other personal consumer reports

To my disbelief, I found inaccurate accounts on my credit report this morning, and Im at a loss as to why. Ive always checked my credit report regularly without issues, but today there were discrepancies that took me by surprise. I even tried refreshing my browser, hoping it was a mistake, but the errors stayed. This situation has me really concerned, so Im requesting that the documents Ive provided be carefully reviewed to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company first collect has me in collections for some dates I was never seen on and the others, I have insurance. I have been on SSI for over 15 years which automatically gives me insurance coverage ( Medicaid and or medicare ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have Medicaid I should never been billed
Product: Credit reporting

XXXX XXXX pa, XXXX XXXX Account # XXXX no contract and no signature
Product: Checking or savings account

Checking my account I noticed my savings account with NFCU was closed out ; without any information sent out letting me know this would be taking place. This account had zero dollars in it as previously reported for seven years. For some strange reason Navy Federal keep these accounts open after informing me in XXXX these accounts were closed. NFCU make sure every month to credit the checking account {$18.00}. I have not touched these accounts in more than 5 years, so why are they keeping these accounts open and crediting these accounts? I called today to asked about these strange events. I was told the savings account was sold to a third party this XXXX. Once again I was not informed of this, which means one again my privacy has been violated by NFCU. The way NFCU violate Consumers/Lenders they should be out of business. Of course this type of fraud is backed by the government. I made a point to ask the representative if this call was being recorded, because this is an omission to fraud. How can you report an account again to another credit buyer? Of course this will be on my credit report again. when are these Financial Institutions held responsible for committing fraud? These are the same corporations looking for bail outs causing debt for America ; while creating hardships for people.
Product: Credit reporting or other personal consumer reports

i was affected by the Equifax data breach and had my identity stolen please close accounts and remove all comments
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion or removal of information from my credit file that is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove these items within XXXX business days. I have previously provided the necessary documentation, and I am including it again with this letter. The information you provided regarding these items is unfamiliar to me, has already been removed by other bureaus, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX D XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX LLC XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A year ago I deposited a check to my bank account from my insurance Company since I had been in a car accident. 
The deposit was made a Saturday so the funds would be available on a Tuesday so it said, tuesday comes around my funds arent released yet so I go to the bank and they tell me they cant do anything there that I would have to call the XXXX number and get the issue resolved with them. Once I call the customer service representative says that they would have to verify the check and that it would probably take a week or so, after not hearing back I call again and the representative says that they werent able to verify if I had any other number and I said no that the number that showed in the check and the number I gave were the only numbers I had and those were working because I had just reached out to my agent, he then proceeded to call again and said it worked but the office was closed so I had to call again the next day. I call the next day and the new agent says the number is no good and I need to wait for the back office to reach back to me. I then call with my agent on the line she willingly gives them all information needed and they still say they cant verify because the number isnt in their data base. 
Then they proceed to tell me my account will be closed with no further information or any reason to justify. 
Its been a year I called back three months ago trying to get any information to what has been done since my insurance company cant recall the check since its been signed and they said the bank has the funds on hold. 
And the representative told me the same thing that I have to wait for back office to reach back to me didnt even take my number down or anything! 
Its been a year! I need answers
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Product: Credit reporting or other personal consumer reports

TransUnion continues to publish inaccurate information about my credit. Showing late payments when there is XXXX balance, showing open collections already paid off, and car my car still being listed as late even though its been paid for months. Ive filed disputes and tried contacting them. Ive done my part paid debt but they continue to provide inaccurate information out of date XXXX days old. I want my file corrected or need to follow with legal actions because they should not be allowed to do business while promoting inaccuracy they need to fix it or stop reporting peoples credit
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number XXXX  XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting 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. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. ( XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a XXXX, retired ( 20 years ) XXXX XXXX. We had a home financed by Wells Fargo. Because of a tiny clause in our contract, which required us to pay Wells Fargo 5 % of the finance amount if we tried to refinance early, we were caught in the 2008 down turn in home prices. We lost our dream home. So they have dome much more harm than you think. 

Respectfully, XXXX & XXXX XXXX XXXX, GA
Product: Debt collection

I was put on  XXXX   XXXX  and knew I could not pay off my debts with the {$1300.00}. per month I would be receiving, so I took a second mortgage out on my home to pay off all my debts in order to make ends meet and support my grandson and I. I made my intentions known to Synchrony Bank. I explained to them I needed my pay off information. It was exactly {$1100.00}.   Once this was paid 5 days later they sent me a bill for {$910.00}. When I called them to point this error out, they stated that a promotion was no long in affect and that I did not pay my debt off in time.   No agreement was ever signed or agreed to like this. If they have a signature it is not mind, because I would never agree to something like this and nothing was ever said about this when I stated my intentions to the bank. I have offered a compromise to protect my credit rating, but they will not consider any kind of a compromise and are demanding payment that I do not owe and can not afford to pay. Please help me. I have no scanner and therefore can not send attachments.
Product: Checking or savings account

My bank always gives me wrong info they have advertise next buissnness the first XXXX from a deposit is available it which isn't true, they never due.tgey accepted and approved my deposit and posted .I show only negative is an available XXXX but when calling they say it's negative they haven't sent ledger and applications like I asked so why do they advertise one thing then act differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply want to remove EQUIFAX credit freeze. It was a piece of cake to remove a credit freeze I set up with XXXX XXXX and Experian but I'm caught up in " Computer XXXX ' with trying to do the same with EQUIFAX. They ask for my cell phone number ( which I never gave them XXXX but when I give them the number it comes back as not in their system. So I give them my land line and then they say THAT number is incorrect. Then they feeze my account for XXXX minutes then wash, rinse, repeat. 

I simply want to remove a voluntary credit freeze for 30 days so I can refinance my house. 

EQUIFAX seems unable to accomplish that simple task.
Product: Checking or savings account

This is a unique scam performed by a guy I used to date. He would pay his bills or make transactions and then report them as fraud to regain money from Chase Bank and scam them out of returned funds. He did it so many times that they required him to produce proof of transactions being done by someone else. Without my knowledge, he gave them my name and information with the claim that I was hacking his account and paying his bills or buying things without his permission. They advised him he would need to request a protective order against me and take me to court in order to prove I was the threat. He put down an address that I don't use anymore, hoping I would never be served and not show up to the court date. He was surprised that I did indeed show up and with an attorney who helped me prove that I did not commit the fraud he accused me of and that he is pulling a scam on chase bank. The XXXX was denied, and the local police were notified that I was named in a bank scam that had nothing to do with me. 
He opened and closed several checking accounts with chase with his scam efforts. 
I am enclosing 2 of close to 100 claims he has made over the past two years, using different chase account numbers he opened. Copies of these claims were supplied to my attorney as exhibits being used to frame me. I am also enclosing the courts denial for his protective order he said he was forced to apply for by Chase bank.
Product: Debt collection

A debt collector called me about two weeks ago saying that I owed some debt from a medical procedure. I had never received a bill from the doctor or from anyone for that matter so I was shocked to get the call. They asked me to pay on the phone, I declined to do so because I thought it was a scam call. I did some brief research online and saw that they needed to send me written validation of the debt before I needed to dispute the debt or do anything ( see 15 U.S.C.A. 1692g, requiring written validation ). I got another call tonight and the person was very rude and demanded that I pay the debt right then on the phone. I informed the lady that I had not been sent a validation. She insisted that I had ( quoting my street address, but not giving my city or zip code - perhaps they sent it to the wrong address? ). I have not received any written notice as required by law, and this debt collector lied to me about having sent the mail required by law. This is unacceptable and illegal intimidation.
Product: Money transfer, virtual currency, or money service

I initiated a direct debit from my Chime account to my mortgage company on XX/XX/XXXX in the amount of {$1000.00}. The funds were removed from my Chime account on that day. 
A few days later I accessed my mortgage account to confirm whether or not I had covered all late fees, and the payment for XX/XX/XXXX still hadn't posted. I had become familiar with Chime holding some deposits for 7 days. Therefore, I allowed additional time in the event that the payment was being held. 
After a week, I contacted my mortgage company about the payment having not posted. They informed me that they never received it. 
I then contacted Chime, and all they will provide me is an account transaction showing the funds leaving my account ; and state that they can not provide the record of the electronic transfer ; proof that my money went to my mortgage company. They are supposedly investigating the situation, and IF they find an error ; THEN they will issue a temporary credit. 
They have refused to void or reverse the transaction so that I can get my money back, which would enable me to send funds to my mortgage company by a different, and not risk missing a house payment. Chime insists that the funds transmitted correctly. But refuse to provide electronic proof ; nor issue my credit they investigate. I feel like they stole my money ; and their evasiveness just strengthens my feelings that I have been robbed by them.
Product: Checking or savings account

At the beginning of this year, Navy Federal Credit Union started using a third party service known as " XXXX XXXX XXXX' to do what appears to be A/B testing on their mobile dashboard. For business reasons, I have a network wide ad/tracker/unknown blocker to prevent as much spying from XXXX parties as possible. 

XXXX XXXX  is included in the sites that are being blocked. However, due to this block, I am unable to access features of the NFCU website including statement downloads, access card details for travel, or accessing the internal mail system. This has been going on for almost 5 months now on personal and business accounts and is impacting my XXXX  ability to perform their duties. 

NFCU has been notified of the issue as well as the potential third party data exfiltration of account details and have yet to do anything about it.
Product: Debt collection

I have have been being garnished for the past year now for about {$200.00} every payday ( biweekly for me ) equating well over {$400.00} per month causing me extreme financial hardship and had become worse and worse. I have tried contacting the company in which have have been garnishing me and they don't really give me any information basically leaving me to figure out what the heck is going on. I've contacted the person who allegedly sued me and they informed me that the monies owed were from XXXX years ago and she can not find my file and that the damages to the property rental were in fact not mine. So I've been paying for the person who rented after me damages to the property. My ex husband is also responsible however I'm the only one who was sought after.
Product: Debt collection

In addition to my previous complaints regarding multiple collection agencies pursuing the same debt, I would like to raise a new issue : Multiple Collection Agencies and Insufficient Debt Validation : I am currently being pursued by XXXX separate collection agenciesXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXall claiming to collect the same debt allegedly owed to the same creditor. These agencies are : XXXX XXXX XXXX, Account No. XXXX XXXX XXXX XXXX, Account No. # XXXX XXXX, Account No. [ Insert Account Number if available ] XXXX XXXX XXXX has provided a summary of move-out charges as documentation, but this does not constitute proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

My complaint is twofold : Unauthorized Multiple Collections : All three agencies are attempting to collect on the same debt with conflicting amounts, which has caused confusion and may violate my consumer rights.

Failure to Provide Proper Debt Validation : The summary of charges provided by XXXX XXXX XXXX does not meet the legal requirements for debt validation. I am entitled to : The original agreement or contract establishing my obligation to pay. 
Proof of the debts amount and a detailed breakdown of any fees. 
Documentation showing the legal assignment or transfer of the debt to these agencies. 
I am requesting the CFPB to : Investigate all three collection agencies ( XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  ) to determine which, if any, is authorized to collect this debt. 
Ensure that XXXX XXXX XXXX and the other agencies comply with FDCPA regulations, including providing complete and proper debt validation. 
Address the negative impact on my credit score, which has been harmed by these conflicting collection activities. 
Enforce Regulation F of the FDCPA to prevent deceptive or duplicative collection efforts and require itemized details and proper documentation for all collection activities. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in protecting my consumer rights.