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

Hello my name is XXXX XXXX I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Equifax, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items i have identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution.

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above.
Product: Checking or savings account

Once again, it's tax season time and the crooked banks attempt to make an extra interest buck off your return by lying. My ( paraphrased ) convo with USAA today, XX/XX/2024, after they wanted to hold most of my check for a week : Me : Why are you holding this much of my check for a week? I know you all ( banks ) can communicate with each other instantly. 
XXXX : It doesn't work that way ma'am... 
Me : Yes it does, I give and receive money all the time in this and other fashions and it goes through immediately as long as it's under your arbitrary amount. 
XXXX : Well we are legally required to hold any amount over XXXX amount ( note that they did not release XXXX amount to me, they released less ). 
Me : What law is that? 
CSR : Uhh ... well ... uhhh... 
Me : Look, you told me there is a legal reason you can not release my funds to me for an entire week and that means there is a binding law somewhere and I want to know what it is. 
XXXX : Well, actually there isn't actually a law I apologize for my miswording... 
Me : Okay so back to the initial question... why are you holding the vast majority of my check ( from a person that I get a check from every month from the same bank and there has never been a single problem on our end for a literal decade ) over an arbitrary amount that you didn't even release up to for me? 
XXXX : ( XXXX off now ) I'll do that right now ma'am you have a good day *click* My funds were completely available five minutes later.
Product: Debt collection

POSTED AT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX. I am seeking a dismissal based on the organized fraud, fictional administration, betray the constitution, denied due process, discriminatory treatment, and deceptive business practices, rendered in this matter. 
3. I, XXXX XXXX, the alleged defendant demand that this matter is dismissed with prejudice for the following reasons : 1. The alleged Plaintiff can not establish standing to sue.

2. There is no evidence that substantiates any jurisdiction in this matter.

3. There is no contract attached anywhere.

4. There is no Affidavit by or from the alleged Plaintiff anywhere.

5. There is no Verification of the lawsuit.

6. I have no business relation with the alleged Plaintiff Attorney XXXX, Attorney Registration No. XXXX, who is a NYS sanctioned for MISCONDUCT debt collector attorney. Please see exhibit 2. He is a stranger I have no business with. He is scamming the court system by acting as Plaintiff, Plaintiff owner, witness, attorney, injured party, and debt collector. 
7. There is no valid complaint or summons in this matter. I have an expired statute of limitations Summons. The Summons was mailed to me after 120 days, it was allegedly filed XX/XX/, and was mailed to me XX/XX/, and received by mail XX/XX/. Such improper service is objected to and is over the 120 days SUMMONS statute of limitations. Please see the Plaintiff expired summons filed in this matter at exhibit 4. Please see the summons envelope showing the commencing of this expired summons lawsuit XX/XX/2023, at exhibit 3. 
8. I have not been served any summons and complaint regarding this matter. There is no proper service. 
9. On XX/XX/2023, I received via US Postal Mail, the expired over 120 days alleged Plaintiffs Summons to this matter and the organized fraud complaint attached, with no verification, no affidavit, no sworn statement, no real party in interest, no testimony, no standing, and no jurisdiction.
Product: Mortgage

I have had my mortgage with NavyFederal Credit Union for over 2 and a half years. The house I have a mortgage on is currently being rented because I live in another state. My tenant tends to pay after the XXXX of every month so because his payment is delayed, so is my payment to NFCU. It is quite aggravating that I am not able to make a payment on NFCU 's website if it is after the XXXX. I have to call-in every month that my tenant is late ; go through a whole list of repeat questions on why I 'm late and have to endure some person scolding me because it 's after the XXXX. I always consistently pay my mortgage within the same month so why do I have to go through the XXXX degree of getting lectured about paying my loan if I 'm still in the grace period? Also, why ca n't I just make my payment online if it 's still within the same month that the mortgage payment is due? There has to be some type of law against this. Previous to NFCU, I had my mortgage serviced with XXXX and they would encourage that you went online. It 's a complete waste of my time to have to wait on hold, answer a bunch of silly questions and then deal with the attitude of the person on the other line about why I 'm late. Especially when it 's only the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.CREDIT COLLECTION SERV {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX  {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX  XXXX XXXX {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX {$240.00} DATE OPENED ON XX/XX/XXXX
Product: Vehicle loan or lease

On Friday, XX/XX/year>, I received a text saying that I applied for a car loan which I did not apply
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Navy Federal Credit Union have been charging overdraft fees consistently forcing my account into the negative which then leads to insufficient funds fees. There has been occasions where even after submitting credit card payments I was still charged late fees. Also NFCU has caused major issues with their processing payments method, due to this system function I would assume I have enough money for a transaction only to find out I have over spent which leads to overdrafts. 
In the months of XXXX, XXXX and XXXX this incident went on continuously. Too many more incidents to mention.
Product: Debt collection

I was notified of an unsolicited payment for services in the amount of {$350.00} to my paypal account from a party not known to me on XX/XX/year>. I notified Paypal via phone and was instructed not to claim the money ( which I had no intention of doing ). The person who initiated the payment then filed a dispute to recover their funds. I contacted Paypal again and they said to do nothing and the person would be refunded their funds. This is the last I heard of the matter until XX/XX/XXXX when I received an email ( not from Paypal ) that {$450.00} had been charged to my PayPal account -- I assumed this was a phishing attempt and did not respond but for peace of mind I attempted to log in to my Paypal account to check my statement. I was locked out of my account so I called customer service to resolve my log in issue and was informed that I was locked out of my account for an unpaid charge ( a dispute charge ) which I never agreed to and don't feel I should be responsible for. I was told by a supervisor that the charge would be removed and my account restored butI still have not gotten satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Lending Club Refused To Delete Credit Account Of A Loan.I Was Never Asked To Physically Sign Any Documents When Account Was Opened Online.I Requested Validation Made Pursuant To The FDCPA And The FCRA.I Disputed The Account With The Company And The Credit Reporting Agencies : XX/XX/XXXX XX/XX/XXXX XXXX.Account Always States " Verified '', Without Any Documents Bearing My Signature.I Had To File Lawsuit At XXXX County Circuit Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Conn 's Appliances , Inc. I have tried on several occasions to rectify this problem, since paying both of my accounts off with a third party collection company, on XX/XX/XXXX. I have been given the runaround with Conn 's since paying off my accounts in XXXX. I waited the 30 to 45 days that it takes for them to update the credit report. The last time I spoke with a representative on XX/XX/XXXX. I was still given the run around by Conn 's, my credit report still hasn't been updated. I have emails from the collection office XXXX XXXX XXXX XXXX, with proof that put accounts that I had with Conn 's, were paid off in full. I am hoping that with filing this complaint CFPB, can help me get this problem solved.
Product: Debt collection

I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$510.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission.
Product: Debt collection

On XX/XX/23 I paid the settlement agreement with creditor. However they entered wrong payment amount when taking payment over phone and short paid it by XXXX dollars which caused them to miss report for almost 10 months. After countless calls and hours of rude service and lies told to me of being unable to help me I finally got taking care off
Product: Credit card or prepaid card

I activated my way2go unemployment card an it's still saying no money on there. Its been MONTHS. It doesn't show on my claim where it says Paid out. Help please thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the XXXX bureaus to resolve this collection I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collections I am filing a complaint again as there has not been any answers back from Experian for these two disputed accounts ( XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX ). I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Experian to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Experian has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I would like these following hard inquiries removed XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Please update with removal USC Sec 15 1681, 1682. 1683. 1684, 1692g These accounts continue to show up in Equifax FICO scores and Equifax XXXX scores. both of these accounts were removed by Equifax at the end of last month. Can you please update so that it reflects on my score correctly. 

XXXX XXXX {$140.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$13.00} Date Opened XX/XX/XXXX Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I paid off my personal loan in XXXX. I overpaid {$370.00}, waited for the next billing cycle so they would realized it has a balance to refund. They didn't send the refund. I called XXXX they asked to wait XXXXXXXX XXXX to process the refund. I've been calling since XXXX, asking the refund ( XXXX XXXX XXXXXXXX ). they see there is a refund on the system but don't know when ( no timeline ) send a check, no even they have a XXXX or something that can solve the problem. Just say, it's here, we see that is overpaid, please wait, we don't have a timeline it was escalate.
Product: Payday loan, title loan, personal loan, or advance loan

Between XXXX and XXXX of 2023, I was in a severe manic episode which caused me to take out {$30000.00} worth of loans in an altered XXXX  state. I have no recollection of taking out these loans nor was I entirely sure how I was approved of these loans since, at the time, I had no source of income or leverage that was given to the bank to approve these loans. Unfortunately, for the past few months, I have been in and out of hospitals and an XXXX  program to fully gain my XXXX  and physical strength back which has been quite arduous. I have contacted the bank several times to discuss the loan repayment options to see if there is any way we can restructure the loan agreement since, as I have yet to return to work, I have no source of income. Wells Fargo, however, has not budged at all even though I have explained to them the situation and was willing to provide whatever hospital documentation was necessary to show how serious the medical situation was, but again this proved to no avail. Now, I am in quite a difficult spot as I am looking to work with the bank to try to rectify this situation and it seems to me to be quite predatory that the bank approved the loan virtually off of no solid financial backing without thoroughly verifying that I had the means to do so.
Product: Debt collection

I checked my credit report and noticed a charge sent to collection through Radius Global Solutions by XXXX for an account that was opened on XX/XX/year> and closed XX/XX/year> with a debt collection of {$240.00}. I have not had any phone calls, emails, or mail sent to me about this I do not know what this charge is on my report. I had a previous account with them that was paid and closed a year ago. Also my credit was frozen during this time so I do not know how this could have even happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my disappointment with Experians failure to remove inaccurate and unfair negative items from my credit report. Despite my repeated disputes and requests for verification, Experian has refused to remove the following items, which are severely impacting my creditworthiness : Collection Agency Charges These items remain on my report despite my attempts to dispute them as inaccurate. Experian has not provided sufficient evidence to validate their legitimacy. 
XXXX Account This account should not be on my report due to [ explain reason, e.g., it was paid off, settled, or reported incorrectly ]. However, Experian has refused to take corrective action. 
Late Payment Account The reported late payments are either incorrect or do not reflect the true history of my account. I have submitted disputes, yet Experian continues to uphold these inaccuracies without proper validation. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, outdated, or unverifiable. If Experian can not verify these accounts with concrete evidence, they are legally required to remove them. However, my attempts to correct these discrepancies have been ignored or dismissed without proper justification. 

I request the CFPB to investigate Experians handling of my disputes and ensure compliance with federal laws. I also request that these disputed items be thoroughly reviewed and, if found unverifiable, be removed from my credit report immediately. 

Thank you for your time and assistance in this matter. I appreciate your help in ensuring fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I unfortunately fell for a scam call and used XXXX in three debit transactions total in {$2500.00}. The three transactions were sent to three different accounts that I never had transactions before while there is no warning or limit appeared. I realized the call was a scam in the midway and call Citibank right away, but was told nothing they can do, not even helping me to stop payment within short time after the transactions. 

I made a fraud claim to Citibank few hours later and provided details of the scam call as well as mentioned that I have filled the case in police station. On XX/XX/XXXX, I received a letter from the bank saying that it was unable to reimburse me and I called the fraud line to follow up. I was told that there was not enough supporting so I was asked to fax in the police report via its branch. I did that but on XX/XX/XXXX, I received a letter from Citibank asking me to solve the problem with the merchant instead. I called again to explain that this was a scam not something with merchant and I also re-emphasized the police report I fax in. On XX/XX/XXXX, I received a letter denying my claim again. 

I made call again to initiate dispute and in the multiple communications, I was asked to email and mail in the supporting documents, which I did both actions. I also requested the copies of the information used in the investigation for three times since XXXX but never receive anything. 

On XX/XX/XXXX I received another letter saying denying my claim. 

I really appreciate any help for me to communicate with the bank to make my case as this is obvious a scam. I dont feel the protection in my banking relationship and dont think there is enough respect to customer as the only sentence the bank kept sending is we maintain our position to deny your claim. More importantly, I believe I am entitled by law to obtain the information used in investigations. But there is not transparency and respect on this specific piece of law.
Product: Mortgage

We attempted to buy a mortgage with Chase in XX/XX/XXXX with a {$10000.00} down payment. We were ready to close but when we went to meet with the officer to sign the papers, the loan officer was not there. There were lots of whispers and waiting when we finally learned the truth. The loan officer disappeared with all our paperwork, turns out, he was seriously ill and the paperwork was on his home computer and could not be retrieved. No one bothered to tell us. We had to start the process all over and almost lost the house. The new loan officer who was assigned, sold us an FHA. She said we could refinance soon because we were paying a larger down payment and get rid of the private mortgage insurance. We decided to refinance in XX/XX/XXXX because the value of our home increased and we wanted to get rid of the pmi and get a lower interest rate. The same loan officer who closed the loan was working on this. Chase only offered a 1/2 % of our current rate, but she said we 'd save money because we could get rid of the PMI. She said if the refi was denied, we 'd get our {$500.00} application fee back. Then, THAT LOAN OFFICER HAD SERIOUS XXXX IN THE MNIDDLE OF THE REFINANCE, and again, no one bothered to tell us. Several different people took over but even though we 've never been late with our mortgage and our credit score was XXXX. Chase denied the loan and kept our {$500.00}. The denial came XX/XX/XXXX after we had everything in order, ready to close. Now Chase is express mailing, sending and phone soliciting all kinds of offers to refinance. We could have sued them for mishandling our initial loan but we decided to give them another chance. Then they do this. We want our {$500.00} back. I tried, but no one is listening.