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

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


15 U.S.C 1681 section 602 A. States I right the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Last year, I was laid off from my job with absolutely no warning. To make matters worse, my former employer fought against me receiving unemployment, leaving me with XXXX income for a period of time. During this financial hardship, Navy Federal charged me 16 separate ACH fees in XXXX and XXXX of XXXX. Since I had always maintained a steady income, I wasnt aware of how many transactions were still tied to my account. 

Desperate for help, I contacted Navy Federals customer support team, pleading for assistance. Rather than showing any compassion, I was met with indifference and dismissiveness. After much back-and-forth, they reluctantly refunded only 4 out of the 16 fees, stating that I should " manage my account better '' and that there was nothing more they could do. 

Fast forward to last weekI received an email from Navy Federal announcing that ACH fees would no longer be charged moving forward. Given my ongoing financial difficulties, I reached out again, requesting a refund for the remaining fees from XXXX and XXXX, hoping for some relief. Once again, my request was denied, but this time, I was told that someone " may '' contact me about the fees. That vague response raised concerns, prompting me to investigate further. 

Through my research, I discovered that Navy Federal had been charging " illegal fees '' on customers ' accounts for years and had been caught. This revelation led me to dig deeper into my own account history. When I attempted to filter my transaction history specifically to review all fees charged, no results appeared ( screenshots provided below ). It wasn't until I manually adjusted my search criteria that I was able to force the fees to load and display. 

Upon reviewing my account history, I was shocked to find that since XX/XX/XXXX, Navy Federal has charged me an outrageous {$2600.00} ( 90 fees at {$29.00} each ) in ACH fees, yet only {$340.00} ( 12 fees ) has been refunded. Looking further back into XXXX, I found an additional 16 ACH fees, bringing my total fees paid to a staggering {$3000.00}.
Product: Credit reporting or other personal consumer reports

Transunion is violating the following laws : 15 U.S.C. 1681 - Accuracy and fairness of credit reporting 15 US Code 1679 You have the right to dispute inaccurate information on your credit reporting.The credit bureau must remove inaccurate or incomplete information. 

XXXX XXXX XXXX could not validate the debt on my report. https : XXXX/www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations I have written and asked multiple times to Transunion to remove inaccurate information to no avail this has cost me employment and bad credit rating. 

FCRA code 623 ( a ) ( 1 ) ( B ). If a consumer notifies furnisher and disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information.

Transunion is illegally reporting unverified information on credit reports, and will not remove the XXXX XXXX from my credit report. 

15 US Code 1681s-2 A person shall not furnish any information relating to a consumer to a consumer reporting agency if knows or has reasonable cause to believe the information is inaccurate. The debt by XXXX XXXX could not be validated and therefore the information is in fact inaccurate.
Product: Debt collection

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX XXXX and Experian to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX statement USAA POLICY TO BEGIN INVESTIGATIONS USAA POSTS Adjustment Purchases which are internal temporary credits until merchant credits post while investigating TOTAL {$320.00}. ( WHY DID USAA POST TEMPORARY CREDITS OF {$320.00} XX/XX/XXXX IF NO FRAUDULENT ACTIVITY ON THIS ACCOUNT? ) see attatched XX/XX/XXXX statement Adjustment Purchases Temporary Credits TO BEGIN FRAUD INVESTIGATIONS TOTAL {$1.00}, XXXX WHY DID USAA POST THESE TEMPORARY CREDITS? THERE IS NO RESOLVE TO ANY OF THIS FRAUD XX/XX/XXXX & XX/XX/XXXX TOTALING {$2.00}, XXXX. BEGINING INVESTIGATIONS OF FRAUD NEVER RESOLVED.??? WHAT IS RESOLVE OF ALL THESE INVESTIGATIONS BEGUN XX/XX/XXXX & XX/XX/XXXX?? STATUES STATE 2 BILLING PERIODS RESOLVE. Why has there been no documentation OF COMPLETION OF THESE INVESTIGATIONS.?????
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I deposited {$200.00} into coinbase by purchasing ETH from them these funds were not made available to me. When I tried to send them to another wallet they didn't transfer. I was told that within 30 days if the transaction is not delivered it would return to my account. Later, when I contacted Coinbase customer support again after 30 days, they said the digital Cryptocurrency couldn't be refunded due to its technology. 

The {$200.00} I deposited into Coinbase is gone and the money wasn't delivered to any address. It just disappeared. 
For reference case # XXXX.
Product: Credit card or prepaid card

I had a credit card with Comenity Capital Bank ;  XXXX   XXXX   XXXX  ;  XXXX , Oh  XXXX  ; and charged one item for {$19.00} in  XXXX ,   XXXX  . I paid the bill in full  five day s ahead of the due date. The sent me a statement saying that it was late and charged {$39.00} in late fees. i  XXXX  I wrote them a letter stating that I did not think this was fair as I sent the money timely. I asked that they cancel the late fee and close the account. About a month later I got a letter stating that they closed the account and then later another statement showing another late fee charged.     I have written them  three times over the past nine  months. The first time in  XXXX    XXXX   ; the second i sent a certified letter on  XXXX   XXXX ,   XXXX   and then again more recently on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,  XXXX  I returned a very rude telephone message that I received from a  XXXX  demanding that I pay the then bill of {$190.00} ( all in late fees ). She called my office number which I did not authorize. I told her not to call me on this number again as I am not allowed to make personal calls and offered her {$20.00} to end the whole thing. She refused and threatened to refer me to their legal representative and insinuated they would damage my   credit score.
At this time they are charging over {$200.00} in late fees all on a one tim  e purchase of less that {$20.00}. I think this predatory and ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial Institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted dispute with XXXX  transunion, and XXXX  regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX XXXX original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents
Product: Credit reporting or other personal consumer reports

Ive asked and informed all credit beuars that I was victim of identity theft multiple times and they still dont remove stuff thats inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
Product: Credit reporting or other personal consumer reports

Credit karma is making my credit score tank after receiving cards that I did not even know existed and now for the last XXXX months I havent had any access to my account which it tells me it doesnt exist anymore with my same email I have been using since I created the account. I put my SS # in when I try creating a new account and they tell me my information is different according to what the irs says. I have tried calling, emailing and live chat and they keep telling me to try the email which they can not tell me whose email it is. I have ran out of options and my credit keeps dropping which now I literally have no idea what I am able to do with I tried a credit lock but its still dropping. I no longer have a clue what to do and how to get my credit back to over a XXXX because this is seriously ruining my life especially since its not my own wrongdoing. I need help and have no idea what steps to take now.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX ( Original Creditor : 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 instruccions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened XX/XX/2019 for XXXX. no knowledge of this fradulent account. over 20 fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reply promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

I reviewed my Transunion credit report and saw some accounts that should not be appearing on my credit report. So I disputed the accounts with Transunion and the they said that the information was verified. So I then went on to dispute directly with the data furnisher and they have sent me a letter stating that they dont have an account with any of my personal information. I have proof in the attached documents below.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Debt collection

To whom It may concern my name is XXXX XXXX, and I am filing this complaint against Turner Acceptance The company Turner Acceptance, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to Turner Acceptance they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and XXXX as an open account which is Illegal. I contact Turner Acceptance on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the Turner Acceptance rep. that this information is repeatedly reporting on my XXXX  and XXXX   personal credit file, and I have the right to request this information, then the Turner Acceptance rep hung up. I will like Turner Acceptance to stop trying to report this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto is still reporting XXXX late payments when the information on my credit is over XXXX old the account was paid as agreed and was closed in good standing as it was paid of. The account either needs to be removed or the need to remove the late payments as it has been well over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that both XXXX XXXX XXXX and Midland Credit Management are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to EQUIFAX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}
Product: Debt collection

this company is harassing me about debt that was sold from another company them. it against the law to sell my information to another person or company without my permission. i want this information removed from credit file.
Product: Vehicle loan or lease

I re opened this because I was unaware of what to do. I have not heard anything back after I submitted the information Ally wanted me to. So a car was opened in my name, I told Ally it could have not been me due to my circumstamces, there is no way I could walk into a delaership and sign some documents to get a car. There was no way I could hve even done that on the phone. I am in the process of trying to buy a house for myself and my daughter, but this is hendering me from doing that. I would like to see this resolved and off my credit. I attached documents of my signature which does not match the contract signature I was sent over by Ally.
Product: Debt collection

I have received at least XXXX phone calls in the last two weeks or three weeks from XXXX trying to collect on the debt for someone named XXXX. I have let them know several times that I am not this person and that he does not have this phone number. They have indicated that they will remove me from their list within 24 hours, but they continue to call me. I am tired of being harassed continually at all hours of the day and night for them trying to collect these debts.