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

On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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 associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instruction.

According to : 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, credit repair services, or other personal consumer reports

In the course of my XXXX loan many companies have been involved, I believe that one of them hav not reported my account properly. And showed that I have been late in the past. Have never be late since my payments were made by my former employer.
Product: Credit reporting or other personal consumer reports

I sent all three credit bureaus Experian, XXXX XXXX XXXX numerous requests to reinvestigate inaccurate information pursuant to FCRA 15 USC 1681 et al. They have yet to provide me with a correct updated credit report. The items in question shows several inaccuracies related to an account by XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. 

The inaccuracies include the following Date of Last Activity is inaccurate EXPERIAN date of last activity is reported as XX/XX/XXXX, XXXX date of last activity is reporting as XXXX { XXXX, and XXXX XXXX reporting the date of last activity as XXXX. This can be a sign of re-aging the account. 

Next, inaccuracies as it pertains to this account is the following : DATE REPORTED IS INACCURATE EXPERIAN date reported is shown as XXXX, whereas XXXX date reported is shown as XX/XX/XXXX, and XXXX date reported as shown as XX/XX/XXXX. 

Lastly, the LAST PAYMENT DATE lS INACCURATE, EXPERIAN last payment date is reporting as XX/XX/XXXX, whereas XXXX last payment date is reporting as XXXX { XXXX, and XXXX XXXX reporting the last payment date as XX/XX/XXXX
Product: Credit card or prepaid card

I purchased an open box computer that was broken from XXXX XXXX on XX/XX/XXXX i returned and exchanged the computer the next day for a new XXXX computer totaling {$1000.00}. the computer malfunctioned within a few weeks of purchasing and i visited the store approximately 15 days after the purchase to return/exchange the computer. the customer service rep at the store stated that the window for return had closed and i must contact XXXX for warranty repair. at this time i was not aware of my right to return a defective item, and was not aware that the store actually had a 30 day return policy. 

i contacted XXXX a few times to try to initiate a warranty repair. they promised to send me an overnight box to ship my computer to them. it took a few weeks from my initial call to actually receive the box. the repair process took about a month. upon receiving the computer back, the computer started malfunctioning again almost immediately. 

this is when i filed a dispute with citi best buy card services, explaining my interaction with the deceptive XXXX XXXX   employee, the defective product, etc. Citi QUICKLY sided with XXXX XXXX on this matter, stating that i was outside of the return window. Ha. its been months, of course its outside of the return window now. i am not disputing that. 

. the problem has gotten progressively worse and the computer is now unusable. i contacted XXXX for a return box about a week and a half ago for a return box. it has not been received and XXXX repeatedly tells me that they have no record that i initiated a second repair request. i contacted Citi yet again to open another dispute. they stated that they have already sided with XXXX XXXX, that it was past the return window, and they will not open a new dispute. 

i question citibanks business practices as they sided with their business partner and provided no valid reason as to why. i should be covered under the purchase protection plan that they offered me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}
Product: Debt collection

Original issue : On XX/XX/2021, I received notification from XXXX that a collections account was added to my report called XXXX XXXX XXXX XXXX. My score decreased by 88 pts due to this. I contacted the collection agency and they basically gave me information that was incorrect. Also, dates of a payday loan I never had or heard of as well as a debt before I was even XXXX  years of age. Also, I heard loud rap music in the background. Would not give me any information as to his name, Manager, CEO information. He also stated that he was the CEO and that information was irrelevant then proceeded to hang up in my face. Phone Number I called was XXXX. 

Current issue : Called me threatening to sue me if I didnt respond to them within 24 hours. I have voicemail. I called back and they stated they will be suing me if I didnt pay the XXXX and something odd dollars. Will be filing police report in the morning. They have threaten to speak with my employer to try and garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


TRANSUNION XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX  ( Original Creditor : XXXX XXXX BANK ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XXXX XXXX Balance {$12.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX  Balance {$1000.00} XXXX Balance {$730.00}
Product: Credit card

credit report has violated my rights under 15 US Section 602 states I have the right to privacy 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish without written instructions under 15 US 1666B a creditor may not treat late payment on a credit card account under an open consumer credit for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today marks 2 years i have been fighting inaccuracies on my credit report. XXXX XXXX XXXX has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving.

After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. XXXX XXXX XXXX has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.
Product: Checking or savings account

I worked for American companies for 10 years and lived in XXXX for almost 7 years. 
Upon leaving the USA in 2012, I kept the bank account open so that in the future I could receive the monthly withdrawals of the XXXX funds, accumulated over the period worked By chance my account, which was at XXXX in XXXX, migrated to BB & T ( now Truist ). I made an agreement with the branch manager to keep the account open and leave the necessary amount so I don't have to pay any fees or expenses. 
I am an XXXX XXXX  and finally I returned to my country of origin ( XXXX ), because I intended to retire there. I'm currently XXXX and need to move money between accounts, ie XXXX or bank-banks... 
I opened a formal complaint with their central, but they didn't even give me any feedback... 
It's amazing how this company doesn't have a form of communication by email or even an ombudsman... nor did I receive any protocol number for my complaint... that is, XXXX quality control. 
Surfing at internet I found XXXX XXXX XXXX, which I made a compliant there ( case XXXX ), and lately I saw that an agency like CFPB exists. 
Just after making a compliant in XXXX  I received an email from a lady called XXXX XXXX ( client resolution senior specialist/client advocacy ), stating that they do not offer OTS Outside Transfer Service , for whom that having residence outside USA, even transfer between American banks our financial institution managing XXXX funds. See attached email. 
She stated that the only way to have access to my money is going to the branch what a surreal and inconsistent issue as I have XXXX even having all vaccination done ( three doses ) the Omicron is spreading to fast and it is a high risk for my life! I do not know why they can do that, impeding me to transfer online my money to another USA bank and obliging me, just going to that branch in Texas to solve that issue and having access to my money. I have bills to pay and this is imposing extra financial expenses, due to that lack of not having the money.
Product: Bank account or service

I 've fell behind on my payments with navy federal credit union, car loan, credit due to unemployment after I received another job my car was repossessed and I paid nfcu my payment and the repossession fee which turned out to be XXXX dollars my vehicle still was not released due to nfcu telling me I would have to pay the repo company there share which is now XXXX also my checking account was overdrawn XXXX dollars and they closed my account along with my credit card account I 've noticed I 've been spending more money than I started off paying I believe I 've paid half of my car loan off by now but it appears as if my car loan has became the same price as when I purchased it, also the bank told me I would have to pay them before they were to re open my account which is strange considering my account had direct deposit and they closed it out
Product: Credit reporting or other personal consumer reports

I have disputed multiple times on the items listed below with the bureaus. Despite this, they persist on my credit report. Kindly request an investigation into these matters and ensure their removal from my credit report. 

XXXX : This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : Incorrect Name - 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 The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information 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
Product: Checking or savings account

My name is XXXX XXXX XXXX. I had lost {$4600.00} in XXXX transactions, due to a fake investment. I was told to send money to various individual accounts on XXXX. I reported this situation to Fifth Third Bank and they opened a dispute case in late XXXX, but it was denied, because XXXX was unwilling to reverse the transactions. I then reopened the case in early XXXX, but it was denied once again for the same reason, including that we don't know exactly who scammed me, so they wouldn't be able to proceed. I submitted a report to the FBI, but I haven't gotten anything back from them.I added both of the reports to my dispute case, but it still didn't help. I reported the " investment website '' that was used in the scam to the XXXX and federal trade commission, but the website is still up and running. I tried tracking down this person myself, but I have run out of options at this point. The only basic information I know about this scammer is the " investment website '' that was used, his or her XXXX number, and the XXXX information of the accounts I sent money to. His or her phone number begins with XXXX and that is XXXX of the area codes of Texas. I hope that you can take this information into consideration. 


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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

I am writing in today in regards to my prior account with Ally Financial account # XXXX. I completed the term of this loan without any incidence. I received a bill for some damages on the car I informed Ally several times that I had a damage waiver and even supplied them with it to no avail. I later received a bill for {$16.00} dollars which I paid immediately. Ally confirmed that it was an error on their part and this should have no impact on me. Yet on my credit report it is showing a paid charge off.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 
ACCOUNTS : 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 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
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Checking or savings account

On XX/XX/2024 I filled the gas tank with XXXX. I had previously enrolled my debit card/checking account ending in XXXX with the XXXX XXXX . I had enough money to pay the XXXX but they are charging me XXXX dollars as a penalty because they did not withadrw the money not even during the day when I went to the gas station. This is in order to set up people. Their intentions are not well intended. My question is : XXXX. If I had filled up the tank with XXXX or something and they charged me and got my money Why didn't they charge me for the second time I went there around XXXX the very same day.
Product: Checking or savings account

I referred a friend to XXXX XXXX, XXXX, in early XXXX. Both my friend and I were supposed to received a {$50.00} referral bonus after she completed the referral requirements. The requirements for the {$50.00} referral were to open a XXXX account using my referral link and making a {$300.00} deposit within 7 days of account opening. She completed these requirements and received her referral bonus the very same week. I received nothing, So I called XXXX. They told me to call back after 30 days if I don't receive the referral bonus. I called after 30 days and still received no help. All the customer rep keeps telling me is they emailed the promotions team and they're waiting for a response from them. I called multiple times after this and received no update whatsoever. Please get these people to credit me my referral bonus already. Here is the name and email of the friend that I referred so they can verify my referral. 

Name : XXXX XXXX Email : XXXX XXXX
Product: Student loan

My loans were formerly serviced by Navient. I have read about the recent filing by the CPFB against them and wanted to add my complaint to the list. I have been in repayment and on IBR since XXXX. They misfigured my payment mulitple times, when I was able to calculate it easily. My husband also has qualifying XXXX loans and this seemed to be confusing to them. I requested consolidation early in XXXX and they stalled for nearly a year. They claimed I had loans with another company ( I did not, they had all my loans ), they would give me differing answers as to the delay, and they would of course push me into forbearance. I accepted, as I did not want to make payments not knowing the amount or how they would be allocated. In XXXX of XXXX, I refiled for consolidation through the Federal website and this time chose my purpose as PSLF since I had started working for a non-profit. This automatically made my new lender XXXX. During the process, I was informed by Navient that they all of a sudden were completing my consolidation and I had 10 days to cancel. I called and canceled, but they completed the consolidation anyway. They argued with me on the phone that it was 10 days, not 10 business days, which it clearly stated on the letter they sent me, and I read it to them. They replied, well it will probably go through anyway, and it did. It took another 2 months to get everything consolidated and moved to XXXX. I am so glad to be rid of Navient, although XXXX has made a mistake or two as well.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.