23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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: Vehicle loan or lease

XXXX XXXX XXXX XXXX got me approved for a car loan and I've made my payment already on the vehicle now the finance company is now for some reason denying my contract..this is something that went on behind my back out of my control, but I'm left dealing with the consequences..the dealership has gotten money from me as well as the finance company..now they want to take my car ... I believe the dealership has committed some type of fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX EXPERIAN  XXXX XXXX XXXX XXXX XXXX Date XXXX Re : XXXX XXXX  ( XXXX ) Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3.

Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Equifax did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



These accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX reporting in XXXX and XXXX of account being open. DELETE XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE The credit reporting agencies must be in compliance with their own standards that they set in place. A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance. You are not in compliance. This information is not accurate across all three bureaus, nor is it complete.Remove all listed accounts immediately or legal action will be taken. 




In sum, a report must be factually, incorrect objectively likely to mislead its intended user, or both to violate the maximum accuracy standard of the fair credit reporting.
Product: Consumer Loan

I was a victim of a XXXX when the individual was caught and sentenced to XXXX years in prison. I HAD TO go to the hospital even though I told them no because I had no money. I went, incurred the hospital debt myself and it was bought by West Asset Management. I paid in full and I want this gone from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was a victim of Identity theft I have reached out to all XXXX major credit reporting agency XXXX, Experian and XXXX these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer
Product: Bank account or service

I have faxed and mailed US Bank numerous letters, police reports and copies of personal identification information in regards to me being a victim of identity theft and someone stealing my identity to open up fraudulent checking and savings accounts in my name. XXXX Bank refuse to remove and clear the fraudulent accounts from under my name, date of birth, social security number and Minnesota drivers license number.
Product: Mortgage

I purchased my home in XXXX XXXX, XXXX. And until XXXX XXXX, I was unable to continue paying the mortgage. I was also divorced in XXXX from my wife of more than 25 years. Then after a layoff for six months, I struggled to meet all my obligations even after I have XXXX sons who just began college. I am a XXXX veteran. 
Over the year or so, I tried to sell my home. The mortgage and other fees is currently held by XXXX XXXX XXXX for approximately {$190000.00} ( Loan # XXXX ). The current servicer -- Carrington Mortgage Services ( Account # XXXX ) -- sent me a letter in XXXX threatening foreclosure if I do n't send {$23000.00} to cure the default. I have been in communications with XXXX XXXX XXXX. Since early fall, I had been by the side of my sister who was hospitalized and took a turn for the worse, right when I was considering returning to my home to do a home modification loan to reinstate. There was no guarantee that XXXX would reinstate, but I had to stay in Connecticut anyway because as it turns, my sister passed away last month. I do not have the money to relocate and I am severely stressed at receipt of the letter to foreclose from a servicer who was just assigned to me. Right now I feel like I am in limbo, having just lost a member of my family, having no home to return ( it feels like ), and limited income. 
So I am hoping Consumer Financial Protection Bureau can help me. I was in the middle of negotiating with XXXX, and they switched points of contact by assigning the mortgage to Carrington -- who starts out with a threat. 
Can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an FHA loan with XXXX XXXX. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit reports.
Product: Credit card or prepaid card

On XX/XX/2019, when I logged into my Bank of America account I was prompted to call to review my account information. I had two credit cards with the grantor. One had a {$6000.00} limit and one had a {$12000.00} limit. I've always paid on time and have good/great credit. Upon calling, I was shuffled around between 5 or 6 different representatives all unable to really confirm what the issue was. They asked me if I was trying to complete a balance transfer. Almost as if saying I was would have led to a different decision. When I said no I was only trying to keep the information current on my account they informed me that " my account was up for review '' and decided to close the {$6000.00} limit account ( which had no balance previously ) and reduce the {$12000.00} limit to {$500.00} ( which had about a {$200.00} balance on it ). When I asked why they said I have alarmingly high credit usage of about 60 % across all of my accounts, which is not true. My overall utilization has never been over 25-30 %. When I asked for proof or other reasoning behind this they essentially told me that they can do what they want and their decision is final. I have been a long-term customer, only with credit accounts, but I guess that wasn't good enough for them. They wanted me to open more accounts and fully tie my finances into their horrible practices. They saw they weren't going to make extra money off of me so decided to drop me.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX ( 3rd party ) 15 USC 1681 section 602 a, states I have a right to privacy 15 USC 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account. Without my written consent or instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information : Any other adverse item of information, other than records of convictions and crime which antedates the report by 7 years. 
No 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My problem is about XXXX  gift card with XXXX dollars stored in which is a " gift ''. I lost it and called the company to request a replacement card. 
I called them on XX/XX/XXXX at XXXX XXXX  to request a replacement card. The customer service representative got my personel information, did security check and told me that my card will be sent in 5-10 business days. 
So I waited for three weeks and called them again and this time the customer service representative recommended me to wait a little bit longer. 
After waiting ten days I called again and this time the customer service representative told me that there is no record about my replacement request and told she will be creating it. She wanted activation receipt and address proof. 
And I sent the activation receipt and address proof with an e-mail and nobady answered it. 
Then I called again and another customer representative told me that they didn't get the e-mail. 
So I sent it again ( the same e-mail to the same e-mail address ) Then I got an answer that they also need the purchase receipt even though I have the activation receipt. 
So I reached my friend which has XXXX kids and have no time and asked her to find the receipt for me with shame. She couldn't find it. 
I know that keeping the activation receipts is important for such problems so I kept it and provided it to company but they still don't answer my e-mails and not replacing my card. It has been 4 months since I lost the card. 
I think they are trying to make me get tired of requesting replacement card. So it is kind of a fraud activity.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered inaccurate accounts appearing on my credit report, and I have no clue why. My regular check revealed these discrepancies out of the blue. I tried refreshing the page, thinking it might be a browser error, but the incorrect accounts persisted. Because of this problem, I ask for a detailed examination of the documents I've provided so I can avoid such worries in the future.
Product: Debt collection

Contacted Experian because the addresses listed on my account are incorrect, and I don't live in the state listed. The representative informed me that there are active accounts under these fraudulent accounts and directed me to make a claim through this website. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. XXXX XXXX XXXX XXXX XXXX, AZ XXXX Accounts that are fraud : XXXX XXXX amount XXXX {$190.00}, paid/closed XXXX XXXX amount : {$370.00} written off , {$75.00} past due XXXX/XXXX  amount : {$340.00} written off.
Product: Money transfer, virtual currency, or money service

Opened a savings account with XXXX XXXX. I go to link my PNC account with it to add funds and it says PNC made a change to the privacy that makes it so you cant link other accounts to it.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. This inquiry was not authorized XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

7. This inquiry was not authorized. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 

XXXX. This inquiry was not authorized. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 

9. This inquiry was not authorized. 
XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 



Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX  years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation. 
I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.
Product: Mortgage

In XXXX I took out a mortgage loan with XXXX XXXX XXXX. They advertised affordable monthly payments and low interest rates on their loans. However, every month the bill came higher than expected. It got to the point where I no longer was able to afford a monthly payment. In XXXX, XXXX Bank, entity that did not know, started a foreclosure action against me. The entity suing me was different than the one I took out the loan. Then, I heard from American Servicing Company, another bank that started collecting the debt. I tried to do loan modifications several times but I was denied. I feel that the bank did not do a proper and fair review of my loan modifcation application and just wants the house to be foreclose. The legality of this loan is in question since I do not know to which entity do I really owe money to.
Product: Credit card

About 6 days before our vacation, the hotel contacted me via text to tell me the beach access had been closed suddenly due to construction and the nearest access was a mile away. This reservation was nonrefundable but we were told this policy would be waived because of the circumstances. We booked elsewhere and actually paid more for a different hotel with the access. I contacted the hotel several times via XXXX and they said, in writing, that it was refunded. This never happened. I finally disputed the charge through my Chase credit card. I supplied pictures of all conversations promising the refund and the conversation stating the refund had been issued. After the investigation Chase sided with the hotel because they simply sent a copy of the nonrefundable booking policy. I have many conversations in writing stating this would be refunded by XXXX AND the XXXX XXXX but Chase still sided with them and did not consider all of my evidence.
Product: Vehicle loan or lease

I leased this car in NJ and paid the 6.625 % tax rate. I moved to Florida where the state 's and county 's total sales tax on cars is 7 %. US Bank is trying to charge me the full 7 % sales tax in Florida when I should only owe the difference between NJ and FL sales tax. They refuse to fix the issue. I have called three times.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy case number XXXX has been completed and debts were fully discharged. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in XXXX XXXX. That is incorrect information. XXXX XXXX also incorrectly includes a status of " charged off ''. The account was not charged off but was included in XXXX  XXXX bankruptcy and fully discharged.

Debts that are discharged in a XXXX  XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy discharge, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM {$680.00} The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account we did not agree upon, and I did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they did not follow the 5 step validation procedure, which makes these unfair practices. According to the FDCPA, I'm entitled to {$1000.00} dollars per violation, and they clearly violated my right.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT TODAY ON XXXX AND NOTICED THAT XXXX HAS NOT BEEN UPDATING MY CREDIT CARD BALANCES FOR MONTHS, I NEED MY CREDIT CARDS TO SHOW AN UPDATED BALANCE AMOUNT ..ALSO XXXX .. ( 1ST CARD : XXXX XXXX UPDATED LAST XX/XX/XXXX, I HAVE A XXXX BALANCE ) 2ND CARD : XXXX  XXXX, I HAVE TWO CREDIT CARDS THAT HAVE {$3000.00} LIMIT, THE CARD NAME IS XXXX  XXXX, IT HAS XXXX BALANCE LAST UPDATE WAS XX/XX/XXXX, I HAVE TWO CARDS NAME IS XXXX, THE ONE THAT ENDS WITH XXXX HAS A XXXX BALANCE CREDIT LIMIT {$5700.00}, LAST UPDATE ALSO XX/XX/XXXX, THE OTHER XXXX XXXX  THAT ENDS IN XXXX STILL HAS A BALNCE... ( XXXX HAS NOT BEEN UPDATED SINCE XX/XX/XXXX, THE BALANCE IS {$1500.00} ) XXXX XXXX LAST UPDATED XX/XX/year> {$1200.00} LIMIT, XXXX  BALANCE- XXXX ) XXXX XXXX LAST UPDATE XX/XX/XXXX THE NEW BALANCE IS {$1300.00} ... ( XXXX CREDIT CARD : CARD ENDS XXXX, {$1400.00} LIMIT XXXX  BALANCE LAST UPDATE XX/XX/year>, CARD ENDS IN XXXX, {$1800.00} LIMIT, XXXX  BALANCE..
Product: Credit card

Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX/XX/XXXX in order to get said miles that were promised. Very deceiptful.
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 similar practices, where transactions settled with insufficient balances despite initially available funds. | believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Netnel has incorrectly reported my payment info for years affecting my ability to get credit.