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

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency XXXX XXXX ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 DISCOVER BANK ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXXXXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX XXXXXXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX ; XXXX ; XXXX that I sent a on ( XX/XX/2022 ) to Investigate the Erroneous Accounts : XXXX XXXXXXXX Balance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days and yet the problem are still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Passport and Social security card to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Debt collection

Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. 

I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''
Product: Checking or savings account

Regarding Overdraft Fees I am writing to formally express my concerns regarding multiple overdraft fees that I have incurred with Navy Federal Credit Union. Despite having sufficient funds at the time my transactions were authorized, I have been charged fees due to delays in the posting of charges and credits. 

This situation echoes the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions were settled against insufficient balances even though funds were available at the time of authorization. I believe these practices are not only unfair but also detrimental to customers who rely on the timely processing of their transactions. 

I kindly request a thorough investigation into my account transactions to address these discrepancies and seek a resolution to the fees assessed. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Vehicle loan or lease

Autopay. I wanted to find out if there is a better rate for my car loan. I didn't know they going to pull a hard credit check - I was just wondering what my rate will be. I have been up all night because of this. I work hard on my credit score. I was under the impression that when someone is inquiring about a particular rate, it's a soft pull. But I was sadly mistaken. Now this will sit on my credit report for 2 years. Judging from the reviews I have read on XXXX, XXXX not the only XXXX with this huge problem.
Product: Credit reporting or other personal consumer reports

I just looked over my credit report and noticed accounts that I don't recognize.
Product: Student loan

I took out loans from XXXX and while in XXXX I had to take some time off due to my XXXX XXXX XXXX. XXXX  then took my loan at turned over {$20000.00} into collections which shouldn't have happened as I returned to school the following semester. I have tried to explain to them that it should never been turned into collections because no one told me about the repayment and I was XXXX XXXX XXXX XXXXl I had just taken time off for the XXXX XXXX XXXX XXXX. When I called and ask them to remove it from collections they said that you can not take things out of collections once they're in there which I know is not true. This has greatly affected my life as I am unable to get loans or anything due to this being on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX. 
{$690.00} Balance updated XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concern about the disputed accounts listed on my credit report. I have raised the issue of inaccuracies multiple times and have consistently requested a thorough investigation. Unfortunately, I have yet to see any resolution or corrective action taken. 

These inaccuracies are seriously damaging my credit file and affecting my daily life. The negative impact has created significant hardships for me, and I urgently need your assistance in resolving this matter. 

I kindly ask that you conduct a comprehensive investigation into each of the disputed accounts. It is crucial that the necessary updates are made to my credit report as soon as possible. With your support, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action. Your cooperation in resolving this matter promptly would be greatly appreciated. Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors listed below have violated my rights. 
15 U.S.C 1681 section 604 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 consent. 

Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$710.00} Name : XXXX XXXXXXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$760.00} Name : XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$400.00} Name : XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$570.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$530.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00}
Product: Money transfer, virtual currency, or money service

I contacted my insurance company, USAA in early XXXX, XXXX, again on XX/XX/XXXX and yesterday XX/XX/XXXX. Ive spent hours on the phone waiting or explaining the situation to endless departments when being transferred. A insurance premium refund in the amount of $ XXXX was sent to me at a former address in XXXX  by UsAA . I became aware of this in XXXX, XXXX  because it was at risk of being sent to Unclaimed Property in the state I lived in at the time ( Virginia ). I provided USAA with my information and they sent a letter saying they needed more information even though the letter was addressed to me. USAA told me they were processing the check and it could take up to 60 days. It never arrived and I called back and they stated it got sent to Unclaimed Property and to check www.usa.gov/XXXX I have checked that site numerous times and my refund check is not there. USAA can not tell me where they sent the policy refund check and it is a rather higher amount of nearly {$2700.00}. I would like to speak to a Manager with the company who can locate the check or issue a new one. I can not spend any more hours on the phone with UsAA representatives who cant assist me properly and I would like this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Validate Inaccurate/Reported Late payment XXXX XXXX HM XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
7. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, NC XXXX 11. Identity Theft XXXX XXXX SERVICES Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted an investigation request to Equifax on XX/XX/2018. Over 30 days have passed, and they have not yet sent us the results. I even sent them a follow-up letter which has also been ignored.
Product: Mortgage

I WAS CHARGED INTEREST ON A MORTGAGE PAYMENT TO OCWEN FOR XXXX OF 2016 WHEN MY MORTGAGE WAS PAID OFF ON XX/XX/2016.MY LOAN WAS PAID OFF SO NONE OF MY PAYMENTS SHOULD BE TO ANYTHING BUT PRINCIPLE AFTER XXXX. 
OCWEN CHARGED ME INTEREST FOR BOTH XXXX AND XXXX 2016. OCWEN IS A PREDATORY MORTGAGE SERVICING COMPANY RUN BY XXXX.
Product: Credit card

My debit card was hacked with someone attempting multiple {$100.00}, then {$90.00}, then {$20.00}, then {$5.00} withdrawals on CashApp on XXXX. I didn't request a CashApp account. My credit union, XXXX XXXX, alerted me to the fraudulent activity. Today, XXXX, I received a XXXX XXXX from CashApp. I tried to call to talk to support, was told all advocated were busy and asked if I wanted a callback. I missed the callback and have been unsuccessful at reaching the company subsequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting

I sent Equifax a letter fro removal of dispute of XXXX inquiries made by XXXX. My claim number with equifax is # XXXX 
I sent them copy of the letter from XXXX that they are requesting Equifax to removal INQUIRIES. 
I also sent Equifax a letter requesting the same thing with copy of the letter from XXXX. But they still " inquiries are a matter of record of all companies that have accessed your credit file '' I will have the inquiries on my file. 
my ssn # XXXX XXXX
Product: Debt collection

My name is XXXX XXXX ( XXXX XXXX at the time I received services ). In XXXX of XXXX  I received XXXX, and received XXXX  services provided by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. My bill was initially paid for by my medical insurer XXXX, however this coverage was later revoked and I was billed the full amount for the procedure. After a lengthy appeal process XXXX decided to cover the XXXX  after all, and paid XXXX XXXX the full amount due. XXXX made a mistake and sent the account to RMP despite it having been paid. XXXX has reached out to RMP to inform them that the account was given to them in error, but they have refused to fully retract it from my credit report. Instead they are reporting it as a " collections account that has been paid '' which still has a derogatory effect on my credit report, and in repeated calls have steadfastly insisted to me that they refuse to fully delete it despite knowing it is an error. 

In addition their agents have continued to call me " sir '' in conversations despite me repeatedly informing them that my gender has changed, in what I believe is deliberate belittlement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : 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  I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 



15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of i
nformation to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

Have around {$5600.00} I need refunded asap that was stolen been waiting over 4 weeks now and havent even got a letter to sign saying that it was stolen and to continue investigating with my money network XXXX  debit card There numbers XXXX  My names XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Product: Mortgage

Nationstar Mortgage paid my property taxes two months late due to an initial incorrect property tax payment and then preceded to charge me for their mistake by adding an additional $ XXXX. to my Escrow Acct. They took two months to correct the XXXX. problem of the incorrect property tax payment, and after 6 weeks of numerous calls, e-mails, faxes, and letters they are still increasing my Escrow Acct. The person that I talked to acknowledged the mistake but had to send it to a committee and would call me back in 7 days. She never called back. Nationstar never calls back when promised. I will attach most of my correspondence. THANK YOU FOR YOUR HELP
Product: Debt collection

American Express filed a judgement against me. I settled the debt with them in XXXX 2015. They did n't release the judgement. I found out couple days ago that I still have the judgement against me when I am applying for a mortgage. I called them and asked them to expedite. They said it will take 6-8 weeks, there is no expedite process. I asked why did n't they release it 2 months ago. They said this is not an automatic process. I have to call them and ask them to release. Is this true? Why could they do so? I paid but they still hold the judgement against me unless I ask them to release? I already lost the house I want to buy.
Product: Credit card or prepaid card

I got a phone call from XXXX XXXX XXXX on XX/XX/XXXX and they told me that there was a credit card account in my name. I told them that I have been living in poverty for years and I am not in the position to open any financial accounts. The account number is XXXX and the account was opened in XX/XX/XXXX. The name XXXX XXXX was put as an authorized user. XXXX XXXX lived next door to me in XX/XX/XXXX but she got evicted by XX/XX/XXXX and she used a XXXX XXXX XXXX XXXX, Ca XXXX. Midlands number is XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

This is a unknown creditor that pulled my credit. FRAUD ALERT Barclays Bank Delaware inquiry on XX/XX/year> Phone # XXXX