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

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX  XXXX - {$6700.00} XXXXXXXX XXXX  XXXX - {$0.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Student loan

I was notified online on XX/XX/XXXX that my XXXX loan payment count was XXXX and my loan balance was now zero. On XX/XX/XXXX that same information was on the Federal student aid website. On XX/XX/XXXX, I received a written confirmation that my loan had been forgiven. On XX/XX/XXXX, I added an online question/complaint to Federal Student Aid concerning the timing of my refund since I was 36 payments past paid in full. The Federal Student Aid website shows my loans were paid in full on XX/XX/XXXX. I continued making payments until XX/XX/XXXX, so I believe that I should have a refund of 30 payments of about {$480.00} each. Six of the payments were zero payments on forbearance. I asked that I receive some confirmation that I would receive a refund and when I could expect that refund to come. I have received no reply from Federal Student Aid and MOHELA says its all in the hands of the Dept of Ed/Treasury/Student Aid . ( who knows ). Its now over 60 days, and Ive still not heard anything. I just want someone to respond and confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent annual credit report, and info that was processed with my 1st cfpd complaint with TransUnion Credit Bureau on XX/XX/21. Listed below are several hard inquires against my social security number that I did NOT Authorized, said creditors listed below my personal information to submit or inquire to obtain credit. I did not authorize or give consent to gain access to my credit profile which is an act of scam or fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit card or prepaid card

The company continually applies fees when payments are late. Email notifications are not being sent. The company has acknowledged this several times over the past year. It's just not getting fixed. It's 2019. People rely on email and text reminders. The company teases customers with rate and credit line increases but coincidently will forget to send a notice when the time comes for a credit increase. 

I've been a Capital One customer for over 12 years and I'm treated like trash. I opened this card as a credit builder and my experience has been mostly obscenely long hold times ( sometimes over 60 minutes ), condescending customer service reps and misinformation. I've given up countless evenings after work or I have to wake up an hour early just to call about getting my bill.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XX/XX/2022 They are reporting inaccurate information on my credit report I have asked several time for them to verify the information is mine and they have not this inaccurate information need to be deleted off my credit report
Product: Credit reporting or other personal consumer reports

There is information in relation to my credit reporting inquiries that is incorrect. i provided an identity theft affidavit along with a police report to the company as I did not consent to the inquiries that are on my account. I asked the company to immediately remove the following accounts and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Navy federal keep charging my business account XXXX XXXX XXXXXXXX XXXXXXXX  Fees
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. 

The account listed XXXX XXXX Account # XXXX. 

Last Verified : XX/XX/2020 -- -- Date of Last Activity : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Reported : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Closed Date : XX/XX/2020 -- -- Account Rating : Transferred Closed Transferred Creditor Remarks : Purchased by another lender Purchased by another lender Account transferred or sold Real Estate Mortgage Account Type : FHA real estate mortgage FHA real estate mortgage Real estate mortgage 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The originally lender Chrysler capital who I initially was in debt with, sold company to XXXX XXXX  who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka Chrysler capital passed this to XXXX capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.
Product: Credit reporting or other personal consumer reports

Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : 1. XXXX Account XXXX : XXXX Status : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

2. XXXX XXXX # 1 Account Number : XXXX Status : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

3. XXXX XXXX # 2 Account Number : XXXX Status : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account Number : XXXX Status : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income.

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections.

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA.

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

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}
Product: Checking or savings account

I recently made a claim regarding purchases made with my debit card in XXXX, Georgia. I have never been to XXXX, and Wells Fargo denied my claim. One purchase was for {$11.00}, another for {$110.00}, and one for {$62.00}. All these transactions were made on XX/XX/scrub>XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I received a called from my insurance agent stating my mortgage company, Freedom Mortgage put a stop payment to a check sent to my insurance ( FHA LOAN ) for the premium due to an address discrepancy. My agent also advised that this is a time sensitive matter and if they dont receive payment with a weeks time frame my home insurance policy would be canceled. So to give you the back story, This summer marks our 4 year anniversary at this home with this mortgage company and we have NEVER changed an address nor have we ever given them the address they are mentioning. I once had this same issue in the pass ( like a year or so ago ) with them and it was supposed to be updated. We have always had an FHA loan since purchasing and they have always made all payments as well as premiums to my insurance. So yesterday ( XX/XX/XXXX ) I contacted the insurance department and spoke to representative XXXX about my current issue. After being on and off hold for a total XXXX minutes, XXXX did confirm that XXXX XXXX XXXX XXXX is my mailing address. As for the property location the address is XXXX XXXX XXXX XXXX its completely wrong and he couldnt tell me why or when this happened. He stated he would email the claims department for further investigation. Asked to please allow XXXX for a response. We agreed and that was the end of the conversation. Today I received a call from him stating that XXXX received a response back from the claims dept and they are stating that after further evaluation the address ( XXXX XXXX XXXX XXXX ) is correct and if I don't agree I need that I need to dispute and submit a XXXX form? Not even sure what that form is. I need help and I need them to fix the issues they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was the primary card holder and I was an authorized user. My wife has passed away and Citi and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Product: Bank account or service

Ally Bank currently has XXXX Raise Your Rate CD products - a XXXX CD that allows you to raise your rate once during the life of the product and a XXXX CD that allows you to raise the XXXX twice during the life of the product. Currently, the initial rates for the XXXX and XXXX -yr are XXXX and XXXX, respectively. The reason consumers went into these products was so they did n't get stuck when interest rates started to rise - just as the product was marketed by Ally. Now that interest rates have started to increase neither of these rates has budged. Ally is not being competitive with these rates. Per XXXX, the rate they offer for a XXXX is XXXX best and the rate for their XXXX is XXXX best among banks. What 's most telling is that if I wanted to put {$25000.00} in a XXXX with Ally today they 'd pay me a rate of XXXX for XXXX, but only XXXX for XXXX. From a bank 's perspective, I would think that 's counter-intuitive, but it reflects their rates as of today. Even though the XXXX bond market has a normal yield curve, Ally 's in inverted. I believe they wo n't move the rate on the XXXX and XXXX because customers would exercise their option to increase the rate and Ally does n't want to pay up. They should eliminate this deceptive product. If consumers knew that they never intended, in good faith, to budge on these rates, they would have opted to go for a straight CD that paid a little more, rather than paying for the Raise Your XXXX XXXX option - an option that appears worthless. Take their rates today on the XXXX straight CD, which is XXXX. I get XXXX basis points more for a XXXX shorter term CD than the XXXX CD paying XXXX. If past is prologue, I would n't expect Ally to move the XXXX rate. It does n't appear that they are under any obligation to do so, yet the product exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from Transunion and XXXX  on this matter
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to TransUnion a copy to XXXX  and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX  ) INQUIRIES ARE XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REQUESTING THE DISCLOSURES UNDER 15 USC 6802 THAT I GAVE DISCOVER BANK WRITTEN CONSENT TO SHARE MY UNPUBLIC INFORMATION TO ANY COMPANY. DICOVER BANK IS IN VIOLATION OF 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 18 U.S. Code 242, and 15 U.S. Code 1681 ( a ) 4, as well as relevant state statutes such as Florida Statutes 817.568, I am asserting my consumer rights and bringing to your attention the following violations :
Product: Credit card or prepaid card

I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE THAT THERE WAS AN ACCOUNTTHAT WASNT MINE
Product: Student loan

I have been trying since XX/XX/year> to get my student loan discharge under PSLF. I have submitted 4 manual ECFs with no meaningful response. I am waiting for the last 12 payments to be counted and applied towards forgiveness and discharge.

My employer doesn't participate in electronic signing of the PSLF form. I need assistance getting my account serviced.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple Over draft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This Issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint against Transunion ( CRA ) for alleged violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the Code of Federal Regulations ( CFR ). The credit bureau has failed to provide me with sufficient documentation to verify the debt they claim I owe, XXXX ( additional dates and account information was added with this complaint please review ) despite repeated requests. 

This non-compliance violates FCRA 611 ( b ) ( 7 ) and ( 8 ) by failing to furnish me with any documentation that bears my signature to confirm the debt. 

Additionally, they have failed to provide me with a copy of the original creditor 's documentation, as required by FCRA 611 ( b ) ( 2 ), to confirm the accuracy of the information being reported. Moreover, the credit bureau has failed to provide the method of verification as required by FCRA 611 ( b ) ( 2 ) to ensure the accuracy of the information being reported. 

Due to their failure to provide the necessary documentation, the credit bureau has reported incorrect and inaccurate information to credit reporting agencies, which has had a significant impact on my credit profile and report. This violation of FCRA 611 ( a ) and ( b ) has caused me harm and inconvenience. Furthermore, I have also reported several complaints about the credit bureau inaccurately displaying addresses that I have never lived at on my credit profile. 

I request that the CFPB investigates this matter and takes appropriate action against the credit bureau, including deletion of all unverifiable information and fair compensation for the harm and inconvenience caused to me, as outlined in FCRA 616 and 617. 

Please note that the definition of " verification '' as used in the FCRA and provided in XXXX 's XXXX XXXX is : " The process of establishing the truth, accuracy, or reality of something through examination or authentication. '' Thank you for considering my complaint. 

Sincerely,
Product: Checking or savings account

I had complained this problem and complainment NO. is XXXX. BofA called me at XX/XX/XXXX, they told me that they will return the check no more than a month since I deposit it. and they will call me again. but I didn't get any answer so far. And the check they had hold XXXX XXXX, and didn't return back so far. They have no power to hold the check for XXXXXXXX XXXX and my BofA account has been closed by them for XXXX XXXX XXXX XXXX XXXX. they should return the check soon, it is illegal!
Product: Debt collection

I never received anything about this debt. They are garnishing my wages and the debt is from 2007 is what they said when I called I had to get contact information from my employer to who was garnishing my wages.