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

I've noticed some unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This situation has been previously discussed, and I'm now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they inaccurately reflect my financial history and management. Addressing this issue has proven challenging, and if resolution isn't achieved promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. 

These erroneous entries on my credit report pose a significant obstacle, hindering my ability to achieve important financial milestones such as homeownership and supporting my family. I'm hopeful that we can swiftly rectify this matter and restore accuracy to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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.
Product: Debt collection

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by Navy Federal Credit Union XXXX The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, housing, and loans. 

Additionally, I recently discovered that two payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXXwere withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the charge-off on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from Navy Federal Credit Union regarding the charge-off or the unauthorized payments. Furthermore, I have faced financial hardship due to unemployment resulting from injuries. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Product: Vehicle loan or lease

I received a call from the finance compy and made the promise payment. The compy accepted my payment and two weeks later tried to take out money from my account and did not have authorization to take auto payments. From the compy being blocked from my financial institution to regarding an auto payment, the finance company expressed they put a call in for a repo ( XX/XX/XXXX ) & my vechile was not up for repossession. I have an screen shot of the comy staying on the XXXX ( day of repossession ) my vechile may be up for repossession, but I did not receive any mailings or calls regarding this action. The finance compy ( Ally financial ) expressed they updated their system on the XXXX and did not inform me of any changes. I am at a lost as I can not go into my job due to having my identity or gargare information. I have many of my work materials and other personal items in the truck as well as my two special needs children devices in the vechile. 

Please assist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX last four of VIN # XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Bridgecrest was paid in full and closed on XXXX with a perfect payment history. I have disputed the inaccurate information that Bridgecrest is reporting to XXXX, XXXX and XXXX. Both XXXX and XXXX dispute results stated that Bridgrecrest replied that there information was reporting accurately on XXXX with a balance due of {$26000.00}. This is a violation of the FCRA as Bridgecrest is clearly reporting inaccurate information. I have proof that Bridgecrest received the full payoff amount on XXXX, in fact Bridgecrest owes me a small refund. I send an email to Bridgrest requesting that they correct there inaccurate reporting to the credit bureaus and they basically said to go kick tires. Something needs to be done to ensure accurate information is being reported to the credit bureaus.
Product: Debt collection

I was contacted by the number XXXX and a voicemail was left indicating that they were a debt collector. My name was not mentioned in the voicemail. When I returned the call, the person XXXX requested my name. I refused to give my name, as they had contacted me. I offered the phone number that I was calling from and I was told that I had to provide my name so that I could be looked up. I refused to give personal information. This situation concerned me for a potential scam.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I contacted Wisely about XXXX fraudulent charges made to my card totaling XXXX. These charges were made on XX/XX/XXXX and XX/XX/XXXX and made to XXXX by a person in California and I contacted Wisely on XX/XX/XXXX. I do not have an XXXX account nor their products, nor will I ever, anything XXXX is ridiculously expensive. A breakdown of the charges are attached. When I first contacted Wisely, I was notified that the process and investigation would take 2 week. I would be sent a document to sign and send back, which I did. 3 weeks after my initial contact, I contacted them again since I have heard nothing from Wisely at all. At that time, I was informed that it would take not 2 weeks, but a total of 3 months for the investigation and to get my money back! Every person I have ever spoken to about fraudulent charges got their money back usually within 24 hours, extreme cases were 48 hours. My case is an absurd 3 months!
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  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 or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payment listed on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.
Product: Checking or savings account

I'm a former Simple Bank account holder who put faith in this " seamless '' transition to BBVA on the premise that all my account numbers and cards would remain intact throughout this six month process. It's now been four days since I've been locked out of both old and new accounts with my debit card rendered useless while customer service continues to hang up on customers after keeping us on hold for hours. Whenever a service rep miraculously does answer, it becomes clear that BBVA hasn't even trained them on how to resolve the issues. Rumor also has it that BBVA has a cancellation fee for anyone hoping to take their banking elsewhere, despite their promise to " waive fees '' for Simple users the first 30 days. 

I'm currently working two jobs, seven days a week, and have no way of even purchasing gas for my commute since my partner also has a frozen account due to this transition. I have $ XXXX in student debt to pay off in addition to my monthy car, insurance, family phone, and credit bills that are soon going to bounce since I'm enrolled in auto pay linked to my previous account. It took me years to establish my good credit, and missing a payment could now jeopardize that as well as further complicate my current apartment search. NOT TO MENTION I'm due for a XXXX  XXXX  and XXXX  XXXX  extraction that I'm now unable to pay for, which adds physical pain into the mix of mental hardship. 

We are still in the middle of a global pandemic and I am a XXXX man who was just pulled over during a racially tense time in America. I'm too tired to be worrying whether or not I can access what little money I've worked hard to save, nevermid the additional stress that someone could be draining my account right now, and I wouldn't even know it since I can't check on my funds.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion 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, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, personal loan, or advance loan

Credit ninja charged 3 times the amount of XXXX I have paid it twice over now they have turned it over to XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraud 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, FRAUD UNKOWN ADDRESSES- XXXXXXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX INACCURATE LATES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home and this is not fair. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Bank account or service

statement is attached with this complaint. 
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee. 
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B obligates us to delete any incorrect accounts from my credit report. Could you inspect the documents? Some accounts listed are inaccurately reported, with wrong amounts and dates.
Product: Student loan

Looked to lower payments and navient convinced me to make interest only payments. Thankfully I checked with family and friends and they informed me not to do this as it pays no principle and adds greatly to the length of the loan.
Product: Debt collection

The countless times, this is the numerous letters I am writing for the fraudulent accounts that keep on persisting on my credit report and damaging my chances of having a better score and better financial standing. It is confusing that other bureaus were able to conduct exact measurements and were able to determine the fraudulent activity and remove it right away on their report. This shows that you are failing to provide accurate information that violates the FCRA law. 
Cease these accounts in persisting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
Clearly, there must have been lapses or errors that occurred during the expedition of these accounts as the other bureaus were able to prove that those were purely fraud. It is frustrating that my previous escalation seems to be ignored. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Product: Credit reporting or other personal consumer reports

I am formally report identity theft SECTION 623 ( a ) ( A ) and to request the removal of inaccurate, fraudulent, and outdated items for my credit reports and XXXX, transunion XXXX and all consumer reporting agencies. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. The fraudulent activity has severely impacted my credit, and I seek prompt resolution to recitfy this situation. fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

For the dates of XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX, by court of law it was stated that I was not responsible for house mortgage payments that are reflecting on my credit score. The monthly missed payments were XXXX grand total of XXXX. Upon stating this to the credit company they stated that they cant do anything for me but to report it.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

While Ive experienced this with experian I would like to include two more XXXX and XXXX as well I had the same experience with them as well
Product: Mortgage

To whom it may concern this letter is in reference to the negative items in my credit report by phh mortgage the servicor of my mortgage at XXXX co XXXX. 
They claim that I was late on my mortgage payments on XX/XX/XXXX and XX/XX/XXXX. They took over servicing of my loan from XXXX. XXXX had a streamlined process where i had an online system and direct withdrawal to pay my mortgage. When PHH took over they had no online system and automatic withdrawal despite my numerous requests. They also are located on the east coast and mailing to them was always sketchy and theyre processing was very slow. I often times would not receive my mortgage notice until very late. I had no intentions of being late or delinquent with payments but PHH processes made it very hard. I have been working out of state which also contributed to these problems when youre on the road working to keep money coming in to pay these debts it definitely helps to have a quality servicor. I mailed my payments in before i left home but they obviously were not received on time probably due to their slow processing times.