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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each one of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX  XXXX  ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXX. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX  is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to stress and unlawful use of my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I recently received a Copy of my ( XXXX, XXXX and XXXX ) Credit report, and I noticed some late payment posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Capital One Quicksilver ) XXXX XXXX Showing late on the following dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companies is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX XXXX XXXX 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to Equifax. My auto loan should be at about 6200+ int. Equifax told me that they were made aware that XXXX closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open
Product: Credit card

Several months ago, I attempted to open a JCPenney credit card by providing my SSN. The card came with a discount on my purchase. I made the purchase and was prepared to pay the card in full but never received an account number or a physical card. 

Fast forward, several months and phone calls later, I received a bill for nearly twice the amount I originally charged. I paid for the charges I rightfully incurred, reported the fraud and asked for the account to be closed. 

Several months later and I am still receiving bills with mounting interest! 
According to the recovery department, I owe XXXX. However, According to the customer service division, I oweXXXX Despite paying for the account in full and requesting for the account to be closed. 


JCPenney acct:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Product: Mortgage

1. Quicken Loans began to prevent me from making payments when the payments due exceeded the amount due on the remaining mortgage balance 2. When I asked them for payoff quotes, they provided them 24 hours later, expiring on the day of receiving them 3. Now, they've committed fraud by reporting me to the credit bureaus for missing a payment that they would not allow me to pay
Product: Debt collection

On XX/XX/XXXX of 2023, The CONSUMER ADJ CO, who I've never heard of before, furnished private information about my credit without my written consent. This is in clear violation of fair credit reporting regulations as I was never notified by the company of my right to dispute this claim, nor was I given the right to opt out of sharing my information with nonaffiliated third parties, pursuant to 15 U.S.C. 6802 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was billing me {$14.00} Experian XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. Experian then locked me out of my account. Experian was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from Experian or any similar service.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to formally request that the following accounts be blocked and permanently removed from my credit report due to my status as a victim of identity theft. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information blocked from my credit report, and I request the removal of these items without delay. 
The fraudulent accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX, and XXXX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.
Product: Mortgage

I paid the Real Estate Taxes for my XXXX, NY Residence directly to their Office, for the First Half, TIMELY and IN FULL.

Sometime later Champion Mortgage inundated me with threats of eviction and " claimed '' that they had had to pay the same Tax. 
I spoke to the XXXX Tax Assessors Ofice on XX/XX/2022 and they confirmed the payment from me, the write, and stated that they had NO such payment from Champion Mortgage on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Regarding Unacceptable Fund Hold Practices Dear Regulatory Authority I am writing to file a formal complaint against Navy Federal Credit Union regarding their unreasonable and seemingly arbitrary policies for holding deposited funds. As a XXXX XXXX XXXX, I rely heavily on timely access to my payroll funds, and Navy Federal 's practices have caused me significant distress and inconvenience. 

On XX/XX/year>, I deposited my regular payroll check, which amounts to between {$7000.00} and {$8000.00}, at approximatelyXXXX XXXX via an ATM. I was informed that ATM deposits made after XXXX XXXX would be considered as deposited the next business day. Understanding this, I expected XX/XX/year>, to be counted as the first day of the hold period. However, Navy Federal did not count Friday as the first day, leading to an extended hold period that effectively spans ten days. 

This arbitrary cutoff time and the failure to count Friday as the first day are absurd and highly unfair. As a result, I was informed that my funds would not be available until XX/XX/XXXX Monday of next week, which is unacceptable for a routine payroll deposit. 

Additionally, on XX/XX/year>, I deposited a {$36000.00} cashier 's check in person at the XXXX XXXX branch. Under Regulation CC, I understand that up to {$5500.00} of the funds from a cashier 's check should be made available by the next business day. However, today, two days later, Navy Federal released only {$220.00} and informed me that the remaining funds would not be available until Wednesday, XX/XX/year>. This means they are holding my cashier 's check for over eight days, which is far beyond the expected timeframe for such a secure form of payment. 

Despite my attempts to resolve these issues over the phone, the representatives at Navy Federal were unhelpful and dismissive, merely referring me to a brochure that did not address my concerns. This repeated pattern of extended holds and lack of assistance feels discriminatory, and I am left to question whether there is an underlying bias affecting the treatment of my deposits because of my ethnicity. 

I urge your office to investigate Navy Federal Credit Union 's policies and practices regarding fund holds. These prolonged delays are causing significant financial strain and are in direct violation of the guidelines set forth by Regulation CC. Immediate action is necessary to ensure that I, and other customers, receive fair and timely access to our funds. 

Thank you for your prompt attention to this matter. I look forward to your intervention and resolution. 

Sincerely, XXXX XXXX XXXX. 
Email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report, which is impacting my apartment search, loan applications, and payment installments : XXXX XXXX ( Account : XXXX XXXX XXXX ) According to the Fair Debt Reporting Act ( FDRC ), I am entitled to an accurate credit report. However, there are discrepancies with this account that render it unverifiable and necessitate its deletion. 

DISCREPANCIES XXXX. Name on file is XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX. Late payment on file ; I have a letter stating there's no delinquencies on the report Thank you for your prompt attention to this matter.
Product: Mortgage

I fell behind on payments and ever since I did, the company locks my account from making online payments. I asked multiple times over the phone why they did this and they always refuse to explain. They just say that because I am working on loss mitigation, I can not make online payments. They refuse to give an actual reason. It seems to be nothing more than an artificial barrier they put up to make it harder for people who are behind on payments to catch up. I do not have reliable phone access so the inability to make online payments is more than a simple inconvenience.
Product: Credit card or prepaid card

On or about XX/XX/2021 I applied for a secured credit card with Discover. My application was approved and on XX/XX/XXXX Discovered took {$500.00} from my XXXX XXXX  account. On XX/XX/XXXX I received my card and attempted to activate it using their XXXX activation number. However, the automated system directed me to the fraud unit. 

The next morning I called Discovered fraud unit and they informed me that someone ( male voice ) called to report that my application for their card was fraudulent. I told them that I never called them and that all of our communications had been via email only. I asked them to provide me with the information as to who had called them as all their calls are recorded. They informed me that they would conduct an investigation and for me to call back in a few days. When I called back, they would not provide information to me and informed me that I would have to reapply and deposit another {$500.00}. I requested my {$500.00} back that they took to secure the card, however, they informed me that it would take another 60 days to get my money back. 

The card was never activated, so therefore never used and they should have returned my money immediately. It doesn't take 60 days to refund money back to the bank account they took it from. I am a retired XXXXXXXX XXXX XXXX XXXXXXXX, and I feel that I have a right to know the results of their investigation. There was NO WAY this was a fraud application. They ran a credit check, the funds came directly from my XXXX bank account and I want to know who called them to made this false complaint, which would be illegal. 
I am respectfully requested that Discover return my {$500.00} back now ; and also I want the results of their investigation. Since, it has now affected me and my credit score.