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

A XXXX XXXX account is showing updated on my credit profile constantly updating the information from 180 days late to 120 days late and I do not own this account I would like it removed immediately from my credit report
Product: Vehicle loan or lease

I am filing a complaint regarding Bridgecrest 's potentially predatory auto loan practices. My payment records from XX/XX/year> show a concerning breakdown where out of my {$580.00} monthly payment, {$520.00} ( 90.1 % ) goes to interest while only {$57.00} ( 9.9 % ) is applied to principal. This extreme interest-to-principal ratio makes it mathematically impossible to pay off the loan. Additionally, research indicates Bridgecrest only holds a debt collection license in California, not a sales finance license, raising questions about their legal authority to originate and service auto loans in the state. The payment is processed as a " One Time ACH Payment '' through their system, demonstrating active loan servicing despite potentially lacking proper licensing. This structure appears designed to trap consumers in perpetual debt through excessive interest charges. I request investigation into their lending practices, licensing status, and compliance with consumer protection laws. The payment documentation clearly shows what appears to be predatory lending practices that may violate both California usury laws and federal consumer protection regulations.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unrecognized inquiry from XXXX XXXX on my Equifax report. I recently obtained a new job, but any credit inquiry tied to a background check would have been a soft pull, not a formal credit inquiry, so Equifax must have made an error and processed incorrectly if they gave a full report to any agency. I have not applied for any new credit or loan for at least 6 months. I have disputed this inquiry twice with Equifax but they will not provide any information or remove it, just stating that it's a " factual record of file access. '' Maybe so, but only because Equifax XXXX  up and allowed unauthorized file access!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated all of my accounts to show correct information.  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /  XXXX   and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Product: Credit card or prepaid card

UMB refuses to close a Visa card that I want closed. I have gone through this with them over many years. A charge was run through from a company I charged a subscription on many years ago. I paid the charge and closed the card again. Now they are trying to charge me late fees and interest on a card that was supposed to closed. They can't close the card because of the late fees and interest, which were not supposed to be there to begin with. This is predatory lending. I can't get anywhere with them.
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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 o
ther 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: Credit card or prepaid card

when I was informed of these cards I tried to inform and dispute them and they wont remove them. I went through identity theft and have fraud alert and security freeze on my files. I just want them off my report please. thank you
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 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: Checking or savings account

I sent {$500.00} via Zelle for a XXXX XXXXt and the seller is not acting in good faith. As agreed seller was to ship item on Friday XX/XX/2022 and provide me with a tracking number. The seller is not responding to my texts. Seller stated his name is XXXX XXXX and his zelle is linked to email XXXX. Contacted him via cell phone number ( XXXX ) XXXX disputed charge with XXXX bank and submitted an ic3 complaint. Zelle Id is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : SELF EMPLOYED Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union due to multiple over draft fees on my account. I had sufficient funds when transactions were authorized. I was charged overdraft fees because they waited to post charges and credits. This aligns with the recent CFPB findings against Navy Federal for similar practices, for transactions settled with insufficient balances despite having available funds. I believe these practices are not fair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, creditor XXXX Account # XXXX, creditor XXXX Account # XXXX, creditor XXXXXXXX XXXX Account # XXXX creditor XXXX XXXX XXXX Account # XXXX, creditor XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2020 XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX Equifax Inquires XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry 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
Product: Debt collection

I am not reliable for this debt XXXX XXXX XXXX, I do not have a contact with Summit AR, They did not provide me with the original contract as I requested a debt validation not a hear say letter from a fraudulent company. XXXX XXXX XXXX is not a real company in the state of Illinois Secretary Of State website no business by this name can be found under this alleged company claiming I owe them money. When I found out XXXX XXXX is not a real business all equipment was return back to them and I have my postal receipt included in this complaint. Summit AR is not licensed or bonded to collect on a debt in the state of Illinois. I ask that they cease all communication via phone & postal mail because their doing the same fraudulent activity as XXXX security services knowing their not licensed.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!
Product: Checking or savings account

Wells Fargo has made headlines about charging incorrect fees and mishandling certain accounts. My account was frozen in XXXX of XXXX because I deposited my XXXX check through the ATM. I also feel like I may have been charged multiple fees for no reason
Product: Credit reporting or other personal consumer reports

Never gave written consent or permission for company to furnish my information or obtain my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been closely following my credit reports because I am actively trying to raise my XXXX XXXX to be eligible for better interest rates. In XX/XX/2022 I received an unsolicited request to apply for a home loan on XXXX XXXX. I promptly asked them to cease and desist sending me unsolicited information of this type and asked how they got access to my credit file. XXXX XXXX answered back and said I had filled out a profile on their website. They have a feature to create a profile to make comparsions with other products but I did not in anyway apply for anything or gave them permission to check my credit.. Next thing I know they sent me a denial letter. Shortly afterwards my credit score dropped by 35 points for no reason ( I had it analyzed by an attorney ). I called Transunion directly and they had no answers.The lawyer said they couldn't help because the report I had available was from XXXX XXXX and not directly from TransUnion. 

I called TransUnion today and was informed that I could get a report but not a credit score and that would cost me {$9.00} to get. 

I am amazed at the casual response and careless mishaps ( such as this ) could happen within a group that controls how we flow in society. Our credit score is front and center in almost everything and depending on that number to have the ability to either exist comfortably or to struggle because of high insterest rates. or straight out be denied things.
Product: Bank account or service

I paid off my mortgage with Fifth Third Bank. After the mortgage was paid off they took another payment from an automatic withdrawal. This was the XXXX of XXXX. They told me they mailed a refund check on the XXXX of XXXX but as of the XXXX of XXXX I have not received it.
Product: Credit card or prepaid card

I have two accounts open with Capital One Banks USA. I spoke with a representative from Capital One in XXXX informing them that I was impacted by COVID-19 and I needed assistance to protect my credit. I was placed in a credit protection program and was still nailed with late payments. I called again in XXXX to resolve this and was hit with late payments again for XXXX. I spoke with three representatives, at least, to correct this and continued to be hit with late payments.
Product: Mortgage

The lender overstepped his boundaries and did not honor his agreement for the first time down payment assistance program. This unethical behavior lead to, the lender trying to force me to purchase a home with monies that was not agreed upon nor discussed. As the buyer I lost an extensive amount of money along with a portion of my earnest money because of the lender 's unethical behavior and unwillingness to submit a denial letter. I understand this unethical behavior to be a case of predatory lending and the lender should be responsible for giving me back the other portion of my monies that I lost in earnest money and for a class that the lender was aware that I would not qualify for.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian Information Services has violated my rights.

15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, On XX/XX/2022 I called Experian to dispute personal information on my credit report. I disputed incorrect names, addresses and credit inquiries. The name XXXX XXXX I specifically disputed this name as this is a family member and I do not want her information merging with my credit report. Im requesting a Experian Dispute Specialist listen to the call to confirm that I did in fact request for this item to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I had a self lender account through XXXX   XXXX that I closed in XXXX of 2019. The account is showing delinquent on XXXX and closed on XXXX and XXXX which it should be because I closed it. My problem is the delinquency is inaccurate information. I should not be showing delinquent because I closed the account before the payment was due. I sent certified documents to XXXX and there has still been no action taken to remove the incorrect information. I need this to be updated as I am trying to maintain my credit. Thank you
Product: Credit card

This complaint is for Midland Credit Management. XXXX XXXX sold them the credit debt that I am disputing for them to collect the debt on. This company is very unprofessional. I have spoken with them a couple of times and the only thing he can say is, your XXXX XXXX is good, you should be able to pay this bill. As I have said in the last complaint for XXXX XXXX. I did not make these charges. All the charges on this bill are for XXXX area. I also stated that I live XXXX XXXX hours from there. Where I have lived for XXXX XXXX years. My address was changed by the same person with address on the XXXX XXXX statement I am providing in XXXX and XXXX. I received a letter in XXXX or XX/XX/XXXX that XXXX XXXX was canceling my card due to non use. I am not sure why it was still open. As far as I was concerned, it was closed. My wifes was closed at the same time. I dont think Midland Credit Management XXXX XXXX XXXX investigated these charges. The total amount of charges {$6300.00} ( including added fees ) and they were made between XX/XX/XXXX and XX/XX/XXXX. I called XXXX XXXX to dispute the charges in XXXX of XXXX when XXXX XXXX notified me of an unpaid bill. It was not found until it was late because my address was changed before it was used and they were sending the bill to the XXXX address. I feel this Midland Credit Management Company investigate this more than what they have. I have not been notified of how they investigated it. A police report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.
Product: Credit card or prepaid card

I called Amex Serve to find out what the issue was with my card and when I told them to fix the issue the representative hung up on me. They have declined every transaction that I have attempted since my deposit went into the account. I am refused access to a US based call center to speak to someone that I can understand and they understand me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I filed a complaint with the CFPB notifying the credit reporting agency of the identity theft report I filed for an account with XXXX. I provided a copy of the identity theft report filed with the FTC, a copy of proof of identity, and a statement explaining the circumstances surrounding the fraudulent account. I have already attempted to resolve this with XXXX 's attorney with no success. Pursuant of the FCRA identity theft clause the credit bureau had XXXX business days to remove the fraudulent account from my credit report. The credit bureau has failed to comply with the FCRA and as a result is causing financial injury to me. I am unable to participate in my financial conglomerate 's business activities due to this fraudulent account leading to a reduction in income.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to confirm the method of investigation for the validated information. The credit bureau did not respond to my request. The responded saying that they updated my results. This was not what I requested and they 100 % did not honor my request.