23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging post 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. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

On or about XX/XX/2019 I applied for a loan purchase a new automobile. The dealership processed the loan to XXXX XXXX  and XXXX XXXX. Both companies used Sage Stream LLC and XXXX  for credit scores. XXXX reported a score of over XXXX and Sage Stream reported XXXX. I was sent letters from XXXX and XXXX XXXX about this to explain their declining credit for the car. 
Since XX/XX/2019, I have attempted to contact Sage Stream by phone at XXXX XXXX to 15 times at various times of the day. They do not answer their phone, but take a voicemail which they say will be answered within a business day. I have never heard from them. 
On or about XX/XX/2019, I submitted through their website a request for 1 ) a copy of my credit report and 2 ) a freeze on my credit report. Their website states that I will mailed the requested reports. 
As of XX/XX/2019, I have not received anything from Sage Stream.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  : Account No. XXXX ( {$46000.00} ) 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 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 is inaccurate.
Product: Credit card

On XX/XX/XXXX I made a payment of {$570.00} to my XXXX XXXX XXXX credit card to cover the remainder of 2 promotional balances that were ending. I then called Bread Financial that services this card to have the payment allocated to the promotional balances and then the remainder towards my open balance being charged interest. I was told I needed to call back in 24-48 hours so that the money is in their system. I called back in 2 days, the money was already transferred from my bank and showing up online in their system, they told me it was too soon and I needed to wait till XX/XX/XXXX which is now 8 days later and after the close of that current statement. Now I was unable to have those funds allocated. Then I make another payment of {$180.00} on XX/XX/XXXX to cover a promotion ending on XX/XX/XXXX and I wanted the remainder of that payment used to pay off my interest bearing balance. They told me I cold not do that. The extra amount will first go towards promotional balances ending in 60 days and then anything after that will go towards the interest amount. Well I have several open promotional balances that will always be 60 days off so that any payment I make will go towards those and I will never be able to make a direct payment to the open balance which is accruing interest. The customer service person on the phone told me that this system is setup to save me interest. I said how? I'm always getting charged interest on this balance. She said well it saves you the accrued interest on the promotional balance. And I said sure but I want to pay off my balance that is getting charged interest now and then 60 days from now, pay off the promotional balance. She told me I can't do that. It seems illegal to not allow me to pay a balance that is costing me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show account number XXXX is on my credit report listed twice and is listed as non-verified accounts. I have attempted on several times to have this accounts reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this accounts due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing XXXXXXXX 90 days late anXXXX XXXXXXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted Transunion they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late 90/120 and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting an incorrect age on account " XXXX XXXX XXXX : XXXX '' this account was opened on XX/XX//21 equifax is showing account age as only 7 months old. according to the FCRA this is a violation and this account needs to be removed immediately.
Product: Checking or savings account

Back in XX/XX/2021 my car was charged fraudulently by XXXX i reached out to my Wells Fargo they credited me after a few weeks i received a later implying they saw the error and it was permanent next day funds are removed account negative these charges were fraud i am not responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to CORELOGIC CREDCO. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Debt collection

I went to XXXX on XX/XX/XXXX for services i did not have insurance at the time and i was unable to pay the bill. I kept my billing information to eventually pay off the bill. i started to make payments toward the XX/XX/XXXX and i paid off the bill in XX/XX/XXXX. in XX/XX/XXXX i recieved a bill from a collection agency that says i owe XXXX dollars in which i do not owe. i continue to be mislead about my account and what is being done to fix this matter.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information on my credit report regarding accounts marked as late payments. After carefully reviewing my payment records, I can confirm that these accounts were paid on time as agreed. The inaccurate reporting of these late payments is negatively impacting my FICO Score.

According to U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payment remarks, I am entitled to a thorough and fair investigation of disputed items. Since these payments were made promptly, I respectfully request that the status of these accounts be corrected to accurately reflect the on-time payments.

I kindly ask that you investigate this issue and update my credit report as soon as possible to ensure my credit history is accurate. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a loan with Credit Acceptance for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact Credit Acceptance they state they will remove them and they are still not removed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Phone Number : XXXX Email : XXXX Dear CFPB, I am writing to file a formal complaint against Experian Credit Bureau for failing to properly investigate a dispute I submitted regarding inaccuracies on my credit report. Despite my efforts to provide clear documentation and evidence supporting my claim, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and accurate investigation. 

Additionally, I am aware of the CFPBs recent lawsuit against Experian for systemic violations, including inadequate investigations of consumer disputes and failure to ensure fair and accurate credit reporting practices. This lack of accountability by Experian reflects a troubling disregard for consumer rights and fair credit reporting standards. 

The inaccuracies on my credit report are negatively impacting my financial stability and opportunities. I believe Experians failure to act is a direct violation of the FCRA, and I respectfully request the CFPBs intervention to ensure Experian :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX  score was reduced XXXX points on XXXX. I called XXXX to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint that Bayview Loan Servicing failed to report the correct date of 1st delinquency. Bayview responded onXX/XX/XXXX that the date was correct. On XX/XX/XXXX, XXXX  responded to their complaint verifying that the date of first delinquency wasXX/XX/XXXX and was removing the account ( copy attached and also in CFPB file : XXXX ). Bayview failed to contact XXXX, who owned the loan prior to them, and falsely and fraudulently reported that the information was correct when it was not.
Product: Debt collection

On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Product: Credit card

Back in end of XXXX I got a notification that my credit card was used for a purchase. I did not make this purchase, and I called my credit card company right away. They closed that card, and sent me a new one. I started my dispute with them, and gave them all of my information. They ended up denying my claim, so I sent in a second request, and also sent over video/camera evidence for them to prove it wasn't me. I have been a credit card customer with them since XXXX, and have one had to dispute two things ever. They ended up denying the second claim stating that the company said I made the purchase myself, when I did not. Transaction date - XX/XX/XXXX, amount- {$600.00}. My credit card company - Fifth Third Bank. XXXX XXXX - XXXX XXXX XXXX. Now, the video and camera evidence was sent to show them I was never at the game, those have the time/date stamp on them. I have been doing great business with them for years, and I feel cheated that they didn't help me out. I called within five minutes when I got a notification on a charge that was not me. Also during this whole process I have been hung up on at least 10 times trying to get a hold of the team. I never knew my second claim was denied until I called about it. Per law, they need to send out mail stating this. All they did was re add the charge and finance on my statement.
Product: Credit reporting or other personal consumer reports

No action was taken by me or company cause the company hasnt notify me of collections.
Product: Debt collection

In XX/XX/XXXX XXXX started a lawsuit against me for a debt from Navy Federal Credit Union from XXXX after I filed a complaint with the CFPB in XX/XX/XXXX. XXXX submitted statements showing the last payment made on the account was XX/XX/XXXX, which is outside the Florida Statute of limitations to sue for a debt. I included this information in my response to the courts but the judge stated that I worded the motion incorrectly and also did not include an affidavit, therefore he denied the motion and granted the summary judgement to XXXX. Based on Fla Statue 95.11 ( 2 ) ( b ) clearly states that a debtor can not sue past 5 years from the last payment on the account, XXXX gave false information to the judge stating the last payment was XXXX, which is incorrect and clearly shows the last payment in XX/XX/XXXX based on the evidence that XXXX submitted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Experian 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, XXXX and Experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with the federal law and provides consumers with the necessary proof of investigation. 

Accounts reported : XXXX XXXX XXXX XXXXXX/XX/XXXX 
XXXX University XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXk XXXXXX/XX/XXXX Dept Ed XXXX
Product: Credit card or prepaid card

Capital One bank is incorrectly reporting my credit card accounts that I have with them. I currently have two accounts, and only one is being reported. To make matters even worse, the account that is not being reported is the account that is in good standing where I have not had a late payment in 2 years and have received several credit limit increases. How can a company have such a blatant oversight that adversely affects one 's credit and finances? I submitted a dispute in this regard in XX/XX/2019 and no updates were made to my credit file.
Product: Mortgage

I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit card or prepaid card

I have sent a payment but was not processed on time, after I sent the payment it took them 3 weeks to process the payment which made it late because of their fault not mine. paid the entire balance, my balance was supposed to be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has my Sallie Mae loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the Sallie Mae is listed in collections.
Product: Credit reporting or other personal consumer reports

My information with XXXX has been breached and heres the proof.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for a couple of years now. XXXX has deleted the incorrect accounts. Transunion and XXXX needs to do the same with all of the information i've given. As well as deleting all addresses that are not associated with me. I have a right to an accurate report and none of my credit reports are cohesive.
Product: Credit reporting, credit repair services, 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 XXXX, Account Number : XXXX and Account Name : Dept of Ed/ XXXX, Account Number : 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.

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.