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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

Wells Fargo atm withdraw of {$1900.00} was taken when my card was stolen and reported stolen i than was reimbursed by the bank following a 10 day investigation. When investigating atm cameras where not reviewed and held me liable for stolen card and amount of {$1900.00} was reversed this happened around XXXX XXXX
Product: Credit reporting or other personal consumer reports

Companies reported hard inquiries to my credit report illegally XXXXXXXX XXXX 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

I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.
Product: Credit reporting or other personal consumer reports

I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Product: Credit card

This is the 2nd complaint with this company, the company does not want to disclose to me where I was double credited. I overpaid one month and have proof of that. CITI never over credited me at all. Also another complaint with the Executive Response Unit team. They only reached out to me once and told me they were going to resolve these fraudulent charges. At the end of the week, i had 1 missed call from this team. I tried reaching out to them but I did not receive any kind of notification. Until i got a letter in the mail stating that I owe XXXX dollars worth of fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 a 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally mailed this letter to Equifax asking for proof of credit inquiries from XXXX, and XXXX and asked specifically for proof of these being accurate and they responded with a form letter in which they did not present any of the information requested. Their " investigation '' that inquiries are a statement of fact have no valid because they never showed proof of them. I have included a copy of the letter mailed to them as well as their response.
Product: Bank account or service

On XXXX/XXXX/15 TCF Bank reordered my transactions and added an additional {$19.00} Check Printing fee to make my account overdrawn by - {$2.00}. On XXXX/XXXX/15 TCF Bank charge my account {$37.00} Returned item NSF fee. My deposits are not available for XXXX/XXXX/15 {$100.00} cash, XXXX/XXXX/15 ATM {$100.00} cash, XXXX/XXXX/15 ATM {$380.00} check. ( Please see attachment )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX {$0.00}
Product: Checking or savings account

Previous complaint, XXXX has been left unattended for weeks. 

After complying with the demands of Ally 's Fraud Prevention to upload identity verifying documents, I was told clearly that I would receive further communication within 3 business days. 

This never happened. 

Eventually, i would call Ally to inquire about the upload, if any determination had been made, or if there was any information I could offer them. 

They indicated that they did not know any of this, but would notify the relevant department that I had contacted Ally, leaving the message that the understood time had gone by and I had started to become concerned. 

I do not know if that message was ever passed along. 

Today is XX/XX/17, and almost an entire month has gone by that I have not been able to access the money in my Ally Checking account. I have complied with all requests they have made of me and have been met with lack of information and inaction. 
I will have received two months of full time salary employment wages via direct deposit to that account that I have been not able to access during this time. 

At no point has Ally initiated contact with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information listed on my credit report, which I believe to be inaccurate and reflective of negligence in handling my personal data. 

On XX/XX/24, I filed a dispute regarding the following inaccurate item ( s ) on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX account that was fraudulently opened due to Identity Theft. This account was blocked from my credit report and then improperly reinserted the inaccurate information on my report. 

Despite providing all necessary documentation and a clear explanation to support my claim, your agency failed to conduct a reasonable investigation, resulting in an inaccurate and incomplete resolution of my dispute. This has led to a direct and significant adverse impact on my creditworthiness and personal financial well-being.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Product: Mortgage

I have been having difficulties with Mr. Cooper since XXXX and finally had resolution in XXXX but I'm having difficulties again. I make partial payments for my mortgage, first payment last week of previous month and the XXXX payment the first week of the month due and they continue to misapply my payments and now charging me finance fees because they will not move my payment out of other and into principle/escrow accounts. I have spoken to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they haven't moved my payment to the correct accounts. I have health issues and I shouldn't have to deal with incompetent customer service reps and fear that my principle and escrow are incorrect due to their incompetence. Mr. Cooper will say since I make partial payments it isn't up to them to apply it correctly, their computer does it but after several phone calls you would think it would be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I communicated with Mercedes Benz Financial Services, XX/XX/2021 about a report of a delinquency to XXXX  and XXXX  that was derermined to be inaccurate. When I ask for an immediate resolution of the error I was unable to communicate with the credit department. I was told they do not speak with clients and they only communicate with credit bureaus once a month. 
I am in the process of applying to refinance a mortgage. This failure to expedite the remediation of their mistake is problematic for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # XXXX
Product: Vehicle loan or lease

I financed me a car Hgreg in XXXX 3 times I told them my passenger tire keep losing air I over there twice the third time they claim I had nail in it. And the panel was hanging underneath my car they said they was going to replace it. Finally I took my car for oil change and tire rotation XXXX XXXX ask me was I in a accident I told them no. I had just got my car in XXXX. They let me know the front sub frame was cracked and bent. And it was dangerous to drive like that. I called XXXX and they told me I had 5 days to bring my car in and I did make appointment so they can look to see why air kept leaking from my tire. Not once they told me the Front Sub Frame was damaged
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.
Product: Mortgage

I have previously submitted compliant  XXXX  about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines.     In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on   X/XX/2017     without ever providing me with notice. I had informed the  Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the  CD for the new  close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday  XXXX  or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint  XXXX  and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement.     Furthermore, it was discovered on  XX/XX/2017    Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued  XX/XX/2017    in order to close on  XX/XX/2017     Navy Federal  attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on  XX/XX/2017    with higher rates than it advertised despite the fact that the current agreement would not expire until  XX/XX/2017   .
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

Original credit card account was opened in XXXX. Last payment on the credit card was made in XXXX. In XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XXXX. They explained that they tried contacting us in XXXX to an address that we had n't lived at for XXXX years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.