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

Accordingly with New York State laws and Federal Trade Commission, I followed proper laws governing identity theft. As an Identity theft victim, I've submitted the FTC report to TransUnion. There failure to properly process and clear all fraudulent accounts has been mishandled.Therefore, the only recourse I have is to file a lawsuit and contact the Department of Justice for there cruelty towards victims of identity theft. XXXX and XXXX has honored the lawful request, but TransUnion remains callous to hurting me and my family for there failure to clear fraudulent accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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: Credit reporting

Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to Transunion and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX 's credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX 'S credit file.
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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed my account after i lost my credit cards inXX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. 

Reporting late on XXXX XX/XX/2022 to XX/XX/XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting invalid information to employers for 3 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX
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 Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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 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: Credit card

I was approved for a Capital One Quicksilver Rewards Card. The cards came in the mail so Icalled to activate it. The lady on the other end said I had a bad connection but continued our conversation. I was on a landline so a bad connection was not likely as I use this phone daily and I could hear her perfectly. She asked could she call me back at another number. So I gave her my cell and she called back in about 20 seconds. Into the conversation and after several questons that she could not pronounce well enough for me to understand she tells me that she ca n't activate my cards because she is not talking to me on the number listed on my account, but she is the one that called me. She tells me I have to send in documentation to prove who I was. I called back on Monday morning and talked to a supervisor and she told me the same thing about sending in documentation. I had the supervisor close the account. I understand their fraud protection guidlines, but they went above and beyond to treat me like a criminal. The strange thing is she trusted me enough from the information I gave her to close the account but, not activate it. I do n't appreciate it and would like for others to be wary of Capitol One.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from Bank of America , XXXXXXXX XXXX , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.
Product: Credit reporting or other personal consumer reports

I called XXXX some months ago to figure out how to catch up on my payment. They offered to stop my current payments of {$130.00} biweekly and have me pay {$92.00} a month until caught up. I have been sticking to that agreement and I am actually done this Friday and can proceed to my biweekly payment. The issue is every month XXXX has reported me as delinquent. Im not - I have been paying {$100.00} a month even to hurry up and catch up. I dont understand how Im reported as delinquent when Im paying the agreed upon amount as was agreed. I believe this is a major error as its saying I have been late 21 times. 

After finding out today that they will put you on a payment plan to catch up hey but they will still report you negative really is unacceptable. Whos to say they will go back after Friday ( my last payment agreement payment ) and clear all the delinquent remarks? This has hurt my credit since XXXX and I have been sticking to the monthly arrangement. This isnt how you mess with consumers finances. Its credit abuse and manipulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. A PDF WAS ADDED OF INACCURATE ACCOUNTS REPORTING. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

please see all attached showing this was paid and should be removed immediately
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

FSA loan repayment is not a life time commitment until you die. Who is Nelnet the XXXX? 

All borrowers with loans held by XXXX ( Direct Loans and federally held FFELP Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans. 

This is in accordance with the Department of Education 's rules governing repayment of Student Loans. 

My loan was consolidated in XXXX with XXXX not Nelnet and, at that time in accordance with the Department of Education rules for FSA repayment of Student Loans was scheduled to close in XXXX not be transferred to Nelnet and have 3 additional non existent school loans added to my FSA in my FSA loan account. 

Close my loan now!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.
Product: Credit reporting or other personal consumer reports

Information on my credit is inaccurate I did not authorized these companies to run my credit I sent letters to XXXX regarding the issue to run their investigateion still these items remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 74 days and I have not received a reponse. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file XXXX.
Product: Checking or savings account

BBVA COMPASS Bank keeps charging excessive fees. They count Saturdays and Sundays as a regular banking day even when they are not open. I have had several fees regarding scheduled payments on sundays and I go in and deposit on Monday and they charge a hefty NSF fee. You need to look into that for my sake and the rest of the consumers.
Product: Credit reporting or other personal consumer reports

The negative items came back verified and are inaccurate.
Product: Student loan

I would like to cancel re certifying my income as recertifying isnt due until XX/XX/XXXX. I would like to remain on my old income driven plan of XXXX with a monthly payment of {$240.00} based on my income in XXXX. MOHELA has already updated my plan to SAVE after re certifying income but I would like to CANCEL and go back to PAYE per my old salary. I was lead to believe I had toner certify income in XX/XX/XXXX before payments re started in XX/XX/XXXX 2023
Product: Checking or savings account

Navy federal credit union has my account on overdraft XXXX  for the past week. 
On XXXX XXXX of 2025 my account goes into overdraft. 
They leave my transactions as pending cause me to think i have money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : US BKPT CT NJ XXXX Liability : {$0.00} Exempt Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Checking or savings account

On XX/XX/2021 I received a letter with a debit card for a checking account opened with Chase Bank. The problem is that I never opened this account or have any accounts with Chase Bank. I contacted the company and explained the situation. They put a hold on the account, basically froze it, and put me in touch with their fraud dept. They started a fraud claim and told me to file a police report locally, file a report with the FTC. and report it to all 3 credit bureaus. I am in the midst of doing all these things now. I am not sure how my information had gotten hacked and have no lost or stolen cards, home or car thefts, or online hacks.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Hi One out of the Three reporting agency are still adamant about keeping a record of a bankruptcy that is not mine on my credit report! I have detailed info from the agency XXXX XXXX that originally had to remove this from their data base because they found no reliable information that linked the bankruptcy to me. After multiple failed attempts to have it removed from all three agency finally XXXX did comply, but the other XXXX XXXX and Experian has not. Now my last resort is to use this portal to try an get XXXX, Experian to comply to the consumer Laws.
Product: Credit reporting

This HELOC account went into default XXXX. XXXX reports the last activity date of XXXX ( when the house foreclosed ) however, they continue to report 90+ days late as of XXXX ( 6.5 years later ). We sent XXXX credit bureau dispute letters however, XXXX has failed to fix the reporting issues. Please CFPB step in and require them to remove the lates after the account charged off. This is account is now 6.5 years old. It should be falling off my credit report all together as of XXXX. This item is reporting to mine and my husband 's reports. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I contacted Equifax to INQUIRE about any alerts on my credit report, I have been having issues obtaining credit and being prequalified for credit. I called to ask if there was any alerts and the representative added an alert to my file. I immediately told the representative that I Did Not want an alert added, I was just inquiring to see if there was before I applied for a loan. The alert was taken off as soon as I told him to remove it within seconds of placing it on my credit report. After waiting a couple of days per his instructions, I started to apply again for a car loan. I kept getting denied with letters stating due to the alert on file, we were not able to contact you. I called all credit bureaus to make sure that it was taken off my account and they assured me that it was and again, tried to apply for a loan and was getting the same letters. I was told that there was not any numbers added to call me at first. Then, when I called Equifax, they said that I couldnt add a number because technically, they removed the alerts from my report. I tried again and again for months with the same letter stating there was an alert on my credit file. I finally decided to add a initial fraud alert and made sure that my number was correct and added to all the credit bureaus. I begin applying again and I was still getting those same letters. When I call in to fraud departments Im told that there is an extended fraud alert on my account and that there is no number added to my file in order to contact me. I called Equifax multiple times trying to explain to them that it shows my credit file status on their website as Fraud Victim Extended Alert and they continue to tell me that there is no extended fraud alert on my file. I been told by Equifax that another department will work on it and make sure that it is completely removed and a year later, Im still getting the same issues with trying to apply for credit. It still shows the Extended fraud alert on account. I never even mailed in the documents stating that I was a fraud victim, ID, or police report to apply for the Extended Fraud Alert which is their process for adding this type of alert. I dont know how or why this was placed on my acccount but it needs to be removed along with everything on my report immediately because they are reporting false information on my file.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXX XXXX  XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$1400.00}.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX {$150.00} Account Number : XXXX Account Name : XXXX Account Number : XXXX {$470.00} Account Name : XXXX XXXX ( Original XXXX : XXXX XXXX ) {$470.00} Account Number : XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) {$1300.00} Account Number : XXXX I requested these accounts be deleted from my credit report. 
My Social Security number has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.