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

On XX/XX/23 I spoke with a Navy Federal Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and XXXX credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called NFCU and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from NFCU, my XXXX checking line of credit reports, and the checking line of credit statement ( 16th of each month ) documents for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  in XX/XX/2022 regarding a XXXX XXXX Credit Card that was opened fraudulently. Ive attempted to contact them with updates regarding their investigation. Ive been unsuccessful in many of my attempts. The few times Ive spoke with they, they informed me there are no updates. From XX/XX/2022 til now, they have put delinquent reports on my credit report. During investigation, they should not expect me to make payments. They caused my XXXX XXXX to drop over XXXX points since XX/XX/2022. Ive provided the necessary documents to prove the XXXX XXXX Credit Card was opened fraudulently.
Product: Consumer Loan

I fell behind on my car payments because I was unemployed. I had made payments when I could. When I was 60 days late they kept dunning me 4 to 5 times a day. The problem was is that they called my XXXX year old mother. I sent a letter to them and they called and told me it would n't happen again and it did. This woman is old and retired and does n't have to know my business.
Product: Credit card

On XXXX/XXXX/15 our Toys-R-Us credit card was stolen. A total of {$530.00} was fraudulently charged to our card. We were notified via email concerning this possible charge to our account by Toys-R-Us Credit card services ( Synchrony bank ). Although they notified us concerning the fraud via email, they have been less than helpful with resolving this charge on our account. Today was my XXXX phone call in to them ( XXXX ) and they advised me today that due to them not being able to verify my account, the investigation to remove these charges has not even started yet. They requested that I mail in documentation ( not fax, not email ) so that they can verify who I am. Meanwhile, my credit is impacted and I am accruing late charges for fraudulent expense. My other credit card companies resolved this issue within days. This is completely unacceptable.
Product: Debt collection

Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

This company pulled up my credit report without my authorization nor consent, I don't recognize this inquiry. It's stressing me out and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Hi, on XX/XX/2017 I went to withdraw cash from bank of America, I told them that I lost my debit card and them I was asked to provide ID, SSN & my Pin, well I did, while I was waiting for the teller to process my transaction, she kept looking at me for few minutes and then called her manager, who approached me with anger and asked me to have a sit and wait for here without any EXPLANATION for the reason, I started getting nervous and refused to give up my turn and just sit..after that she said that she will call the Police on me and get me escorted out..this is when I took my ID and left because I have my kids in the Car waiting for me with their mom.. I was treated like a thief or scammer even with all the proof I provided..also I was declined to get my OWN MONEY ... Manager name is : XXXX XXXX,. Adress is : XXXX, XXXX XXXX XXXX. XXXX, NY, XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I got a {$5000.00} loan been four years and in total paid {$9600.00} and from this day I still owe them {$4500.00} which makes no sense
Product: Credit reporting or other personal consumer reports

As 15 usc 1681 starts out with " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law.

My last letter was sent at the beginning of XXXX to XXXX separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all XXXX companies on here but feel free to email or call.
Product: Debt collection

NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting to my credit! 
Account # XXXX  are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Product: Credit card or prepaid card

On XX/XX/XXXX I got a statement in the mail saying that I owed over {$3900.00} due to several purchases made on a new Best Buy credit card. Someone fraudulently opened this account in my name after a security breach, so I filed with the credit reporting agencies, XXXX XXXX, and Best Buy. The statement lists the purchases as having been made on XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$850.00}, XX/XX/XXXX for {$990.00}, and on XX/XX/XXXX for XXXX in XXXX. The first XXXX look like computer purchases while the fourth is listed as " XXXX ''. 

Best Buy opened an investigation and on XX/XX/XXXX Best Buy sent me notice claiming that I had benefited from the fraud ( they had no evidence for this claim ) and demanding I pay the balance on the closed account.
Product: Credit reporting or other personal consumer reports

My account with SYNCB/CAR CARE SYN CAR was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I have been receiving calls since XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and today at XXXX. When I called back at XXXX to ask for more information, the woman responded seemed to get upset when I mentioned " Fair Debt Collection Act violation '' and " I intend on filing a complaint against your company ''. She dragged her feet and didn't provide anything. After she hung up I called back at XXXX to talk to somebody else and found out it was " Credit Management L.P '' doing all the phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

This company capital one auto finance have violated federal laws constantly the account in dispute is capital one auto finance partial account # XXXX is violating my rights the federal law states U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. Please send proof of my written consent sent to you certified mail! As a consumer This company capital one auto finance have violated federal laws constantly account capital one auto finance partial account # XXXX! Federal law U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

Bank of America and their employees, representatives, servicers, and third party agents ( collectively referred to as BofA ) have engaged in a racketeering business enterprise for profit envoling Requests for Mortgage Assistance ( RMA ), loss mitigation processes including, but not limited to modifications, dual tracking, and foreclosure processes. 
In this instance, BofA knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how BofA is to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. 
One example of this racketeering business enterprise for profit is when a policy and practice is established and intended to circumvent the rules and law. Specifically, XXXX and XXXX ( XXXX ), owners of XXXX ( XXXX ), have been executing foreclosures on behalf BofA designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their published document entitled California Foreclosure Timeline. This document reflects the steps XXXX, as beneficiary trustee, follow upon contrating with Bank of America to begin the foreclosure process. The XXXX timeline does not conform with California law, specifically the California Homeowners Bill of Rights ( CalHBOR ). There are legal requirements intentionally excluded from this timeline including, but not limited to, pre Notice of Default ( NOD ) outreach. 
XXXX was not made the beneficiary trustee until XX/XX/2016. While BofA may have intended to create or establish a business relationship with XXXX prior to the recording of the Substitution of Trustee in this instance, XXXX had no authority to act in any capacity prior to XX/XX/2016, but for acting as an agent of Bank of America in an already existing business relationship related to RMAs, loss mitigation processes and programs, dual tracking, and foreclosure processes and thereby establishing and evidencing a racketeering business enterprise and violations of the RICCO Act. 
I have not been treated fair and with good faith during and throughout the loss mitigation process or the foreclosure process however improper it may be as it relates to me and my home and property. 
A resolution would be all other previously mentioned resolutions and a detailed response addressing this and other complaints and escalated cases to date related to the modification, loss mitigation, and foreclosure processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus, XXXX, Equifax and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
Product: Debt collection

So this has been going on for year, with multiple debt companies all in the greater  XXXX , GA area, so I believe that these companies are all connected.     This is for a very old debt that I had taken out and paid back. The original debt was to  XXXX   XXXX   XXXX   XXXX   XXXX   which multiple federal agencies including the DOJ has sued for defrauding customers. Now this debt has been and keeps getting sold from debt collector to debt collector. I have asked multiple times for verification of the debt and a full accounting showing all payments made. I have never received anything I have asked.   I have asked in writing that they no longer call me and sent multiple cease and desist letters. They go away for years at a time only to resurface using a different collection agency name.     The most recent is Company name Chaplain Financial Services LLC,  XXXX   XXXX   XXXX ,  XXXX , GA,  XXXX  Phone :  XXXX .     In todays call  XXXX / XXXX / XXXX  they did multiple things.    1. C alled using a spoofed caller id. Todays caller id was  XXXX , returning calls to that number says that the number is not in service. I believe this is be a violation of the Truth In Caller ID Act of  XXXX  and FCC regulations. Additionally I believe that this violates deceptive practices under the FDCPA.     2. Their call was a robo-call made to my cell phone. They have been notified multiple times that this is my cell phone. I believe this to be a willful violation of the TCPA.
3. It was stated in the Robo-Call and in the subsequent phone conversation that I had with a gentleman there ( who hung up on me when I informed him he was in violation of the FDCPA ) that they are sending this to a process server today so that I can be served with a summons. They have not filed suit against me, nor do they plan to. I believe this to be another violation of the FDCPA.
All of this from a 3min 5sec phone   call.
Product: Checking or savings account

XXXX deposited a check for just over {$1100.00} in my Citibank account. They then notify me that the check is fraudulentand they close my account. 
THEY THEN CASHED MY CHECK and wont speak to me about getting the funds returned. My legal representative calledthey wont speak to her either. 
SO HOW DO I GET MY MONEY BACK AFTER CITIBANK FRAUDULENTLY CASHED MY CHECK AND WONT RETURN MY MONEY?!!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a prior case open through the CFPB and in the resolution, XXXX stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XX/XX/2023 CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!
Product: Credit reporting or other personal consumer reports

Experian and XXXX have failed to fulfill its legal obligation 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 CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as 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, where Experian has neither corrected nor removed 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 Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX are currently reflected on my report and should be removed due to the negligence of Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with Experian, while showing paid on time with XXXX  and XXXX  for that month. Also, XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with Experian and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with Experian and XXXX  for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.