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

In accordance with the fair credit reporting act Navy Federal has violated my rights. 
They are reporting inaccurate late payment information from XX/XX/2022. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I have recently been a victim of a data breach, resulting in identity theft. The following accounts and inquiries are fraudulent and must be removed from my credit file : Fraudulent Accounts : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$410.00} XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$320.00} Unauthorized Inquiries ( all dated XX/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 XXXXXXXX XXXX XXXX
Product: Debt collection

I am writing to file a follow-up complaint regarding a previously submitted case on XX/XX/XXXX  ( complaint # XXXX ), concerning an account reported by NCS on my credit report. 

In my initial complaint, I stated that I was unaware of this debt, did not have the opportunity to dispute it, and did not receive proper notification. XXXX responded, claiming that they could not locate the account in their system, even though I provided all the account details as listed on my credit report. 

According to the law, if a creditor can not verify an account, it must be removed from the consumer 's credit report. However, as of XX/XX/, when I ordered a credit report from XXXX, this account is still showing on my credit report. 

I respectfully request that this matter be reviewed again and that XXXX or the credit reporting agencies be directed to delete this unverifiable account from my credit report immediately. Retaining unverifiable information on a credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. Please feel free to contact me for any additional information or documentation needed.
Product: Debt collection

just received a notice from Gulf Coast Collection Bureau Inc. stating I owed {$58.00} for a XXXX on XXXX/XXXX/15. I am on Medicare and Medicare Gap so would not have any outstanding bills. Also never ever received a notice regarding this {$58.00} until today ( one year later ). Checked their background and found many, many complaints with the same issue. Clients had paid their bills. 

I 'm concerned that this will affect my credit rating. Hopefully they can be removed from the collection business.
Product: Debt collection

COMPLAINT XXXX XXXX has violated several rules of The Fair Debt Collection Practices Act : They called me numerous times daily, leaving messages and then to immediately turn around and call 2 of my family members leaving personal information with them including who they were. I spoke to them around XX/XX/XXXX asking them not to call anyone but me after that they called my sister ( s ) leaving a message as to whom they were.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$690.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX OF XX/XX/XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX inquired into my XXXX and EQUIFAX credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
Product: Debt collection

Pentagon Federal Credit Union has been trying to collect on an debt that I do not owe for the past two years. I have been a victim of Identity Theft and have tried contacting the credit bureaus and Credit Union via mail and phone to inform them of that. Pentagon has hired 3 companies to collect on this debt and I do not believe that is legal, because I have never given either of these companies to input any information to my personal credit profile.
Product: Debt collection

Revenue Recovery Solutions, a collection agency, keeps trespassing on my property, calling me and sending me certified letters of collection for a debt titled to my former employer. I left the XXXX 2021, and have told the collection agency multiple times to contact the owners. I am a private citizen and I do not owe this debt, yet I continue to be harrassed by this collection agency. I have sent them a Cease and Desist notice under the FDCPA, and I'm seeking protection from the continued harrasment and threads.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX # XXXX  NY XXXX
Product: Debt collection

I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As astra leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
Product: Credit card

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 XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX  ) XXXX U.S.C XXXX, which mandates a XXXX 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 reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 I have attempted over XXXX times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a 1. FTC Identity Theft Report 2. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : XXXX XXXX XXXX
Product: Credit card

I had a fraudulent inquiry appear on my credit report. Please remove the fraudulent unauthorized inquiry from my credit report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX i am asking you to verify as accurate
Product: Credit reporting or other personal consumer reports

Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, I opted out of Nexis Lexis, Innovis, and ARS reporting because XXXX, XXXX, and XXXX keep inaccurately reporting that I have a bankruptcy on my credit report. This is causing me emotional distress and it is blocking me from getting funding for my business and finding housing. 

XXXX keeps saying that they verified the information, telling me that SOME SOURCE ( will not tell me who ) is still reporting that I have a bankruptcy even though I opted out of them and what they are reporting is not accurate. 

I have a letter from the XXXXXXXX XXXX XXXX  that they do not release that information so there is no way for any reporting agency to verify this. 

In XX/XX/XXXX I requested to be opted out of Nexis Lexis, XXXX, and XXXX  In XX/XX/XXXXXXXX  I got a letter from the XXXX XXXX XXXXXXXX that they do not release this information ( therefor it is impossible to verify as accurate ) in addition to me requesting that Lexis Nexis not share my information. 
In XX/XX/XXXX I sent letters to XXXX, XXXX, and XXXX to remove my bankruptcy since they can not verify it On XX/XX/XXXX XXXX revealed an investigation dispute that they verified a bankruptcy on my credit report as accurate, but they will not tell me who they got this information from and I opted out of all reporting agencies back in XXXX.
Product: Mortgage

My Contact Info : XXXX ; XXXX My Loan Number : XXXX XX/XX/XXXX I made two separate additional principle payments to XXXX XXXX XXXX, which brought the loan to value ratio of my mortgage to below 79 %. I requested the PMI to be removed, but later was denied with no reason provided to me. 

XX/XX/XXXX XXXX removed PMI from my monthly payment moving forward and sent a confirmation letter ( attached ) to me. From then on, PMI had not been part of the Escrow charges on my loan statements. 

XX/XX/XXXX XXXX XXXX XXXX was purchased by NewRez. The XXXX and XXXX statement I received from NewRez had no issues. 

XX/XX/XXXX I received the escrow analysis claiming that I owe the Escrow {$1200.00}, which was a result of the previous 6 months of PMI not being part of my monthly statement. Furthermore, NewRez added PMI back to my monthly payment. I contacted NewRez for 6-7 times after I received this analysis, explain to them that PMI was removed from my monthly statement by XXXX XXXX XXXX and the escrow analysis was incorrect and therefore my monthly payment for XXXX should not be raised. 

XX/XX/XXXX I faxed a written request to have PMI removed from my loan ( again ), this time to NewRez. Since then I have not received any communication from NewRez. 

XX/XX/XXXX I made another additional principle payment to my loan, which brought the loan to value ratio to 77.4 %. And submitted another three written requests to NewRez through their online contact form, requesting the PMI be taken off my loan and official documents explanation on the mixup of the " shortage '' on the PMI, which was likely caused by the error handling between XXXX XXXX XXXX and NewRez. I have not received communication from NewRez.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Product: Mortgage

My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.
Product: Checking or savings account

I called Chase bank last week between XXXX as Ive been constantly been getting overdraft fees when I expressly consented in their app to not allow for transactions to be approved ( no overdraft coverage ). 
The rep saw that I in fact do not have this setting in their app to allow for me to go on overdraft and yet I continue to be charged overdraft each day. This is unacceptable as I am getting charged for a service or action I expressly did not consent to ; I actually expressly indicated that I do not want them to cover transactions. I am being robbed and they are misleading customers in their application settings as to what it really means to not have overdraft protection.
Product: Debt collection

I sent a letter to this company to cease and desist communications with me and not to contact me, they are still calling and harrassing me and antagonizing me on the phone like its a game. They are mad because I was able to proof forgery and they did not validate the debt and I have several violations on them. They have called friends and family in the past and will not stop. I want the harrassment to stop with the phone calls. I have sent them certified letter and email to stop.
Product: Checking or savings account

I was asked to send {$21000.00} over multiple transactions. I then found out that no such person or bank on the receiving end, exists. Attached are only some of my documentation.
Product: Money transfer, virtual currency, or money service

I have a business Venmo account that has been locked without notice. When I call to speak with representatives I am given no resolution. When speaking with the supervisor there were no details as to why my business account was frozen and no details as to what I had to do to resolve the frozen account. I have spent a considerable amount of time trying to escalate the matter to no avail.
Product: Mortgage

I have had a loan modification in XXXX. I unfortunately had to apply for another forbearance due to loosing my job at the end of XXXX. When I called ready to resume payments they told me I have to fill out another application to see what I could qualify for. They stated I do not qualify for any payment plans. I am very capable I spreading out the money I am behind on. I could pay this amount back over 6 months to a year. I have called and tried to work them so many times they have now have a belittling tone when I call. I feel like I am being discriminated against, because I have had to make so many calls to try and get this resolved. I am afraid to call in any more because at this point I feel like they would possibly try to speed up the foreclosure process before I even have a chance to try everything to get it resolved.