23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I find no titles here that address my problem with XXXX and Transunion credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of XXXX percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and infringes on my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

MY NAME IS XXXX XXXX. I AM NOT A XXXX PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT A LIVE PERSON HANDLE THIS COMPLAINT. 

I am writing to formally lodge a complaint against Navy Federal Credit union regarding the abrupt closure of my account in 2013 and the subsequent imposition is a life time ban of accessing their services.To my dismay, I discovered that my account was closed a deposited check bounced.I did not receive any prior notification or explanation for this action or even a chance to remedy, which has caused me significant inconvenience and distress. 
Despite my efforts to seek clarification from the Navy Federal Credit Union, I was informed that the account closure was permanent, without any explanation or avenue for appeal. 
Navy Federal 's decision to permanently ban me from accessing their services without due process or explanation raises concern about fairness and consumer rights.This action may contravene the Fair Debt practices Act ( FDCPA ) and other Consumer Credit Protection laws that prohibit arbitrary and unjust restrictions on consumer accounts. 
The lack of transparency and communication from navy Federal regarding the account closure and lifetime ban violates consumer rights to information and due processes. 
This may be in violation of the Consumer Credit Protection Act and other regulations that mandate fair treatment and disclosure in financial institutions actions. 
It is important to note that navy Federal Credit Union was previously sued by the consumer Financial Protection Bureau in 2016 for unfair restrictions on consumer accounts.The recurrence of similar practices in my case raises concerns about the institutions compliance with regulatory standards and consumer protection laws. 
I urge the Consumer Financial Protection Bureau to investigate Navy Federal 's actions in closing my account and imposing a lifetime ban unfairly.Enforcement measures should be taken to address any violations of FDCPA, CCPA, and other relevant laws.. 
It is crucial that navy Federal conducts a comprehensive review of it's compliance practices to ensure adherence to consumer protection laws and to prevent unjust actions against customers in the future.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit card or prepaid card

I closed my Apple Card by Goldman SachXXXX Bank XXXX XXXX ) in XXXX of XXXX ( XX/XX/XXXX ) GSB permitted a charge to my account in XXXX of XXXX ( XX/XX/2021 ). Numerous calls to GSB has not rectified this situation. GSB can not give me an answer as to whether this will happen again in the future. A closed account should mean closed and no longer accepting charges.
Product: Debt collection

On XXXX XXXX, 2015 I mailed a validation letter to Phoenix Financial Services for a debt that they claim I owe them. I noticed it when I pulled my credit report recently, therefore I sent a validation letter requesting more information the account they claim I owe them. On XXXX XXXX, 2015 I received a letter with information related to the account with insufficient information. The statement attached to the letter does not provide detailed information such an itemized or details of services. The statement date is as of XXXX XXXX, 2015. Lastly, I have never been to XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion Formal complaint and demand for immediate action concerning erroneous information on my credit report resulting directly from the XXXX XXXX XXXX. As a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), particularly under Sections 605B, 611, 609, 623, 616, and 617.Section 609 ( 15 U.S.C. 1681g ) : I request a full disclosure of all information in my credit file as it stands post-dispute. 
Section 623 ( 15 U.S.C. 1681s-2 ) : I demand confirmation that all furnishers of the incorrect information have been instructed to cease reporting the inaccurate data. 
Sections 616 & 617 ( 15 U.S.C. 1681n and 1681o ) : I am prepared to pursue damages for willful or negligent noncompliance with FCRA requirements that have led to ongoing harm. 
Failure to comply with these legal obligations will leave me no choice but to consider further action, including the possibility of legal proceedings against your agency for non-compliance.
Product: Debt collection

On Monday XX/XX/XXXX, a bank hold in the amount of {$910.00} was placed on three accounts with XXXX XXXX. I had been making monthly payments to the collection agency for the unpaid outstanding debt. 

These accounts belong to my minor child. I contacted the Collection Agency and they advised me that I needed to submit proof of ownership of her account. They assured me they would review my case and because of their assurance, I did not file a notice of contest with my court system asking for protection for my daughters funds. 

On XX/XX/XXXX/2018 I emailed to them proof that she was a minor child and that the accounts were hers. I also submitted to them pay stubs with her name on them showing the deposits into these 3 accounts were from her part-time employment.

On XX/XX/XXXX/18 they requested additional information including a copy of my bank statements and additional pay statements.

On XX/XX/XXXX/2018 they called me to inform me that they were not returning the funds to my minor child. They would not provide a clear and reasonable explanation why.
Product: Credit reporting or other personal consumer reports

Heritage Financial reports that I am over 120 days late for my car payments to the credit bureaus I am not late at all. It is reducing my credit scores.
Product: Debt collection

Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : RECEIVABLE MANAGEMENT SE Account number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I opened a coin base wallet, submitted my ID and had an email saying that my ID has been verified and I am ready to invest. 
On XX/XX/XXXX XXXX, I put around {$400.00} worth of bitcoin, every one was fine, could access my wallet. 
On XX/XX/XXXX XXXX, I had an email saying that my account was restricted as I was under XXXX, which is false as my ID clearly shows I am XXXX. I was also told to verify my ID. Which I did the same day but they " could not verify my ID '' ( a driving licence ). 
I contacted support on XX/XX/2021 XXXX # XXXX XXXX. I only had an automated reply. 
Meanwhile, I have tried to resubmit my driving licence again. I them again on XX/XX/XXXX, XXXX Again automated reply. 
I contacted them again on XX/XX/2021 ( # XXXX ), I had an automated reply as an answer. This was a formal complaint which should have been sorted in 15days according to the automated email. 
I resubmitted my ID on XX/XX/2021, I had an automated reply " Unable to verify your identity '' I tried again the same day : same thing. 
I tried again no XX/XX/2021, " unable to verify your identity ''. I tried 3 times the same day. Nothing. I tried 3 ties that day. " unable to verify your ID '' I tried again on XX/XX/2021, I had a confirmation that the verification is still in progress " your ID requires additionnal verification. We will email you once verification has been completed. '' My question, why has my ID been accepted and allowed to send funds, once sent, I was told that it is unverified and my account has been locked. I saw on XXXX  that a lot of people have had the same issue. I am begging you to do something about it please.I contacted XXXX who asked me to contact you ( ref # XXXX ) kind regards
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX - XX/XX/XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reached out to the bank for them to return the overdraft fee and they declined it
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) agreed to withdraw one late payment that was reported in XXXX which I believe was in error. The XX/XX/XXXX late payment was promised to be removed from all the bureaus. It was not. Their agreement to remove this late reported payment was a lie. This is fraud. I am attaching their letter. I have asked yet again that they remove it and that a {$200.00} credit be issued to the principal balance of the loan. This is because the only insane number of times I have had no contact them to fix the smallest of issues. I am reporting this to other government agencies because I feel if I don't, they will not keep their word. I am only attaching one of the three bureaus report as they all show the same payment reported as late.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.
Product: Money transfer, virtual currency, or money service

My complaint relates to the lack of transparency with Zelle services. When enrolling in Zelle back 2017 there was never information provided nor released to confirm the recipient when exchanging monies. There were also no provisions outlined in the event of a transfer being processed to the incorrect party or fraudulent businesses.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my XXXX credit report and discovered an inquiry that I have no knowledge of. On XX/XX/year>, SANTANDER CONSUMER USA appear on my credit report as a hard inquiry that impacted on my credit score. I never authorized inquiry on my credit report for this company, I have never heard about this company before. Please launch an investigation into SANTANDER CONSUMER USA inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if SANTANDER CONSUMER USA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The inquires below is not mines, please delete. 

XXXX details XXXX ( XXXX ) XX/XX/year> XXXX ( Bank ) XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting or other personal consumer reports

The BMW financial obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in XXXX  when my mother got covid and I was stuck in XXXX they would not fix it the 800 # did not work there and they did not believe me. 

THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. 
I explained this to BMW financial and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. 
The dealership representative told me the car went to the auction, then I was told by BMW financial that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. 
This is what the manager said over the phone at BMW financial There are 2 types of lease buy outs : a ) One where the dealership buys your car and takes care of all the customers cost. 
b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. 
I apparently had option B, so basically the dealer bought my car, sold it made money and bmw financial profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after covid and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. 
I finally threatened litigation to the dealership XXXX XXXX bmw and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. 
I told all this to BMW Financial and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the BMW dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past 3 leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY BMW FALSELY REPORTING ME. 
I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT
Product: Credit card or prepaid card

I noticed these fraudulent activity on these Accounts. ( Account Name + Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXolice report XXXX