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

Im am submitting this complaint on my own behalf, I am a XXXX XXXX so I'm XXXX  XXXX XXXX a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, I consumer XXXX XXXX, I sent NAVY FEDERAL a cease and desist letter demanding NAVY FEDRAL send me an audit trail of this account. NAVY FEDERAL have failed to provide me with the necessary documents to be able to validate this alleged debt.
Product: Credit card or prepaid card

Someone sent me a text ( CITI-BANK-FRAUD ) Your card has been blocked due to recent transactions. To restore full access go to auth07-citi.com/secure? token From the phone number XXXX ( XXXX ) XXXX And I dont have Citi bank
Product: Debt collection

I received a letter from a company called Avante USA, indicating that I had a debt that they were attempting to collect. The debt indicated on the letter was from a company called XXXX which I have never heard of before, and have certainly never had any interaction with before. An Internet search indicates that XXXX is some sort of predatory payday loan company. Regardless, the debt indicated on the letter is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX XXXXXXXX pulled last XX/XX/XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX   pulled last XX/XX/XXXX XXXX  pulled last XX/XX/XXXX XXXX  pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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  ALL continue to 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 an 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts listed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I received a bill from Comenity stating that I owed them {$490.00}. 
XXXX XXXX switched from XXXX XXXX  XXXX, my bank, to Comenity for there credit card. I paid electronically to XXXX the {$490.00} on XX/XX/XXXX confirmation number XXXX. 

I have been in communication with Comenity through various phone conservations, emails, and a letter, which was signed for, as received. This still is not resolved as of today XXXX, XXXX. I keep getting monthly bills from them with late fees and interest todays bill states I owe them {$580.00}, I owe them nothing. 

There is absolutely no reason why this still is not resolved after all of this time. This company has done nothing to resolve this issue. 

Worst company ever.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Kingston Data and Credit has flagged my collections for {$300.00}. I have no knowledge of this debt or where it comes from. I never gave Kingston Data and Credit my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt. Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.
Product: Checking or savings account

Capital One had technical issues starting Wednesday with direct deposit of paychecks. They did not reach out to their customers - I had to search the internet and tried calling and utilizing their chat help option and got no answers or a live person. They did not start posting updates until Friday late afternoon. I still do not have my paycheck and this is completely unacceptable. I am unfortunately XXXX of the XXXX that lives paycheck to paycheck and I dont even have the money to get groceries.
Product: Checking or savings account

Back in XXXX I distribute XXXX transactions from XXXX. Wells Fargo made a decision and finizile the case end XXXX last month. XXXX pur XXXX balance on my account I lost the transaction according to wells fargo wells fargo refused to contact XXXX tell them this case is finalized XXXX waiting on well fargo to respond to this case wells fargo told me they not allow to send XXXX email of this case being finalized XXXX said they waiting on the bank to respond the bank refused to contact XXXX now my account negative cause wells fargo refused to contact XXXX about this finalized case once wells fargo contact XXXX my account from XXXX will be back positive on XXXX wells fargo owe me a cashier check of {$580.00}
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX  XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Mortgage

I was notified in XXXX XXXX that I was behind on mortgage payments in excess of {$4100.00}. This is inaccurate since I have made every single payment on-time as scheduled since notifying the bank in XXXX of XXXX that I would not be needing further assistance by way of deferring payments enforced by the fed guidelines in the Cares Act and that I would be resuming payments as of XX/XX/XXXX. On XX/XX/XXXX, I resumed my mortgage payments as shown online using the United Community Bank website for payment reference. United Community Bank initially started refusing bank teller payments after my first 2 payments and stated I would need to use the online banking payment option to make my payments on my mortgage, which i started doing around XXXX, XXXX. It was not until around XXXX XXXX that I was threatened to make an over {$4100.00} payment to bring the account current. After several attempts to contact the bank I was told that due to Covid the bank was severely behind in account reconciliations and they were working on the issues, yet they have still taken severe Steps to intimidate me by posting notices to my door, taking pictures of the house m, and delivering threatening letters of foreclosure.
Product: Checking or savings account

I the consumer and natural person have reached out to NAVY FEDERAL CREDIT UNION mulitiple times relating to account information since XXXX of XXXX, Agents of this corporation are using false and misleading representation and are denying I access to account information by way of ending telephone communication stating they will not send the specific information I requested ( Copy of a signed agreement between I and NAVY FEDERAL CREDIT UNION with both wet ink signatures ). NAVY FEDERAL CREDIT UNION agents states I allegedly owe {$460.00}. NAVY FEDERAL CREDIT UNION and its agents are in violation of THE FAIR DEBT COLLECTION PRACTICES ACT SPECIFICALLY 15 USC 1692b ( 2 ). I dispute the validity of that amount of {$460.00} and I am requesting the name and address of the original creditor if different from the current creditor, Pursuant to 15 usc 1692g ( b ). NAVY FEDERAL CREDIT UNION are in violation of the FAIR DEBT COLLECTION PRACTICES and THE FAIR CREDIT REPORTING ACT. NAVY FEDERAL CREDIT UNION shall cease collection of the alledged debt, until NAVY FEDERAL CREDIT UNION obtains verification of the alledged debt. NAVY FEDERAL CREDIT UNION unjustified denial of my application demonstrates discrimination against my right to access and extend credit, which has caused significant financial and personal harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, Transunion you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts were opened in my name with Navy Federal Credit Union, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to Navy Federal. My identity was stolen. I have already reported fraud to the company Navy Federal on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my XXXX XXXX has been effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado  and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX  XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact
Product: Student loan

I have a loan with First Associates from back in XX/XX/2013 but I never took the course. I tried with no avail over the years to get it resolved and they are unwilling to resolve it. I am in the process of trying to purchase a home and I keep getting denied because it says I am late every month in the amount of {$3000.00} and that is in collections. It also says that a {$33.00} payment is due a month but when I contacted First Associates they stated that the loan had reached its maturity date so there was no payment due. The loan can not be in collections and late every month they need to fix this issue or I will file a lawsuit to get it resolved.
Product: Credit reporting or other personal consumer reports

I have already sent this company a dispute letter and requested the proof of the inaccurate fraudulent late payment they are reporting on my consumer report. I have never been late on this account. Recently I observed a late payment on my consumer report from XXXX of XXXX. My account has been closed with this company since XXXX of XXXX. As federal law states in XXXX USC 1681A 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 de- signed 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. If you can not supply proof of this federally regulated act I demand you remove this late payment and or the entire account off my consumer report. It shows in Experian. If immediate action is not taken I will pursue legal action
Product: Mortgage

Received a Subsequent Interest Rate Adjustment statement addressed to my Deceased husband from XXXX XXXX XXXX. I do not recall loan. I requested a QWR. XXXX requested Affidavit of death of joint tenant. Letters Testamentary, admin or other probate Related docs. Sent reply I do not have those documents as there was no estate, Now I have Received a Statutory Payoff Letter from lawyer. Creditor listed as Partners for Payment Relief. I now sent QWR request with death certificate to PPR.
My husband passed away in XXXX and their demands for payment stated in XXXX. Rate increases .25 per month presently at 5 % max is 17 %.??? I need advice asap as I think foreclosure has been started.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions Here are the following XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$30.00}