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

I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed Transunion removed the account but XXXX and XXXX has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer, and I am aware that you are in violation of my rights by furnishing an account to my consumer report without permissible purpose. I hereby demand that you cease and desist the negative reporting through consumer reporting agencies. Failure to follow this demand will result into a private right of action, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I fully know the following accounts arent mine and I sent a FTC and police report To Experian to validate my claims and they haven't honored the law.

According to the Fair Credit Reporting Action and Section 605B, Experian must block information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) as a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The key word is alleged identity theft. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

Yes, I was paying my monthly bills and came across a bill for a capital one XXXX XXXX, I was not aware it existed. And I looked and there were XXXX charges XXXX for {$10000.00}, and the other for approximately {$5000.00}, I did not apply for this card nor did I authorize these charges on this card I was not aware of. I filed a fraud complaint and received this letter back today. With no appeal letter included. 
I have a copy of the letter. I would really like to resolve this and will hire an attorney if necessary.
Product: Credit reporting or other personal consumer reports

I returned the vehicle to GM Financial because vehicle was a total lemon. They sold vehicle & sent me a bill for balance of XXXX. Told bank to send me itemized bill with a 1099c & was told by Gm financial employee XXXX twice that he does not have to send itemized or XXXX & he said he sent me a bill. I have disputed this with XXXX XXXX, XXXX multiple times each to no avail. This is hurting my credit & as a consumer requesting itemized balance owed multiple times I just wanted to validate the debt by an itemized bill. This has been over a year I've constantly been disputing this with GM financial & all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERION claimed that being less than 40 % of my loan is considered negative. I have succeeded in paying 40 % of my loan. Usually a situation like this would take 5 to 28 days to be corrected EXPERION has been going on 100 days from the time I pointed the glitch out And requesting for that less the 40 % Score factor to be remove.
Product: Debt collection

I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX XXXX on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX XXXX in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website was down and I wasn't able to temporarily lift my credit freeze. I am applying for a mortgage and it was time-sensitive so that I didn't lose my rate. I called Equifax several times and each time their digital verification system ( I had to submit a photo of my license ) was broken. So I was unable to verify my identity that way. Then, they asked me a series of questions that seemed too difficult to answer : ( XXXX ) How many current and old credit cards do you have? Why this is difficult to answer : I had a credit card that I cancelled in 2015. I have no idea what my average monthly balance on that card was and I don't have the documents to find out. ( XXXX ) When was your credit frozen and unfrozen in the past year? Why this is difficult to answer : I've been working with XXXX banks over the past XXXX months and have frozen and unfrozen my credit many times. 

I offered to email a copy of my license, but they said I had to mail it or fax it and wait 3-5 business days to get a reply. Basically, because of Equifax 's stone-age tech, I almost got a interest rate bump on my mortgage, costly me thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Attorney General CC : FTC Identity Theft FTC Report # XXXX All I have to say is fix this now before I file suit for Defamation of Character. As I stated before because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish, and XXXX because of you assuming this role. Pursuant 15 USC 1681 ( 4 ) I have the to privacy. Your company also needs WRITTEN consent to furnish anything on a report let alone create one in the first place Pursuant 15 USC 1681b. I have more than enough evidence. 


*** ALL ACCOUNTS AND NAMES BELOW NEED TO BE DELETED NOW *** 1 ) XXXX XXXX XXXXXXXX Account # : XXXX 2 XXXX XXXX XXXX XXXX Account # : XXXX 3 ) XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, I began the process of refinancing my home through Wells Fargo ( WF ). Currently, they are my mortgage company. I was told I needed to have the home appraised and the cost would be {$600.00}. I paid and in XX/XX/XXXX the home was appraised. The Valuation Report was sent to Wells Fargo for an underwriting review. This is where things got sticky. The Wells Fargo representative verified all the documents I submitted. Everything was going smoothly until I was asked about a home I returned to XXXX  in XX/XX/XXXX due to financial difficulties I was experiencing. Although I voluntarily returned the home to XXXX after attempts to complete a short sale, it is listed as a foreclosure. Furthermore, the WF rep asked for various documents from XXXX such as payroll documents as check stubs, income taxes, billing statements from the XXXX XXXX XXXX where my son went to college. I informed the rep that I was employed with the XXXX XXXX XXXX at the time. Once an employee leaves the agency, payroll records are not maintained. Also, my XXXX graduated in XXXX. The university no longer maintained the billing statements. Lastly, I only keep tax records for XXXX yrs after filing. Therefore, I only had tax docs dating back to XXXX. I provided the WF representative a copy of the Letter of Explanation sent to XXXX discussing the circumstances surrounding my returning the home. 

The WF rep was also asking for detailed information regarding my FHA loan. WF was the holder of my mortgage at the time. Therefore, the information regarding the FHA loan was already on file. 

Note, at the time ( XX/XX/XXXX ), XX/XX/XXXX was more than 7 years prior. It is my understanding that financial institutions can not request information or ask for documents, etc., about incidents that occurred more that 7 years prior. 

Bottom line : Wells Fargo asked for information that did not align with the preliminary assessment I completed for them before being assigned a representative and was outside the 7 year window. 
I felt this tactic was used to substantiate denying me the loan. For the record, I am a XXXX American female over the age of XXXX.
Product: Prepaid card

I had contacted wisely card services dispute department before XX/XX/XXXX to dispute a charge in the amount of {$25.00} transaction date XX/XX/XXXX ( merchant XXXX ) The transaction is still showing as of today, XX/XX/XXXX, a temporary authorization hold. The main concern is I had to dispute this charge, because the drive with XXXX was unsafe and Im still waiting for my refund so I had to dispute the charge with wisely card services. 
Today I received a letter dated XX/XX/XXXX from XXXX card services that my dispute has been denied. 
There is no explanation of why I dispute was denied. In addition this process took wisely card service as well over the 90 days of time. to complete alleged investigation if they thoroughly investigated it, they would see that the refund shouldve been credited to me. This is not the first time wisely card services has done me and hug me out to dry over 90 days.
Product: Credit card or prepaid card

I was charged an unrecognizable amount of {$320.00} on XX/XX/18 by an unrecognizable merchant. ( XXXX XXXX   ). I than cancelled the card and it went in as a fraudulent charge and was credited back to my account on XX/XX/18. Afterwards I realized who the merchant was and was charged the correct amount of {$210.00} on XX/XX/18 by recognizable merchant XXXX XXXX. Than for some reason the charge of {$320.00} went through on XX/XX/18 which I thought was permanently credited to my account but come to find out was only temporarily removed from my account. The credit card company ( CITI-VISA ) states they cant dispute this charge since it was filed as fraudulent and since Ive since used this merchant it can no longer be considered a wrong charge and cant be disputed. But it is a wrong charge. Credit card company suggests I work it out with the merchant which I have been trying to do since the beginning of XX/XX/XXXX. I have been wrongly charged twice for one procedure. Any help in resolving this issue will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are reporting a bankruptcy that do not belong to me. Name spelling and inaccurate address do not belong to me. I would like for that to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me a letter confirming that all of my payments were made on time however the credit bureau didnt resolve my dispute.
Product: Checking or savings account

My paycheck got deposited into my account and i went to check my balance not even 5 minutes after i get a text and email my account is going to be closed and that I needed to call into chase as i asked why my account was going to be closed they were unable to give me information and said that right now my account is restricted so i can not receive my money until 10 days after my account is closed so i now have to wait 20 days until i can receive my hard earned money and the remaining funds before that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check the documents that I placed with you
Product: Credit card

A charge appeared on my account for XXXX from a website in XXXX, I reported the charge and it was initially covered due to capital ones zero liability coverage, the charge was reversed and they found me at fault despite me not making the charge.. the charge was not signed for by me but the hacker used my person information to place the order. Capital one refused to reverse this fraudulent transaction which was obviously due to an advanced hack
Product: Debt collection

On XX/XX/2022, I purchased my Automobile from XXXX XXXX XXXX XXXXXXXX and signed the promissory note with XXXX XXXXXXXX XXXX XXXXXXXX. Without my knowledge, this consumer contract was sent to American Credit Acceptance. I informed American Credit Acceptance that this was a consumer transaction, and I was not engaging in any type of commerce with them since I had no contract with them. I asked for the presentation of proof and sent a letter to them. They seized my automobile without my consent, nor did they loan me any money for this vehicle. I extended my credit as a consumer and was insulted when they seized my personal property which I have security interest in. There were various discrepancies within the contract that was noted as well and they refused to resolve the matter. 

I mailed off a letter to the CEO and to the XXXX and did not receive a response from either of them. They have taken my personal property and I also did not receive any remittance transfers in order to make sure that the vehicle would be properly accounted for, nor did they disclose information per my request. 

Please see the attached letters and correspondences. They have violated the law and have not adhered to the UCC, CFR, U.S. codes which are in place to protect consumers.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. XXXX responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background check wrong drivers license number and in able to change it or status
Product: Consumer Loan

I have an auto loan with Fifth Third Bank. My payment was made on XXXX/XXXX/17 - BEFORE it would be considered late. I physically walked into the Branch and made the transaction at the Teller window and I have the receipt. I received a letter XXXX/XXXX/17 stating my payment had not been received and have been receiving collection calls for the account even though I have contacted the bank ( on several occasions since XXXX/XXXX/17 shortly after receiving the letter ). Several times, they have been told to stop making collection calls - by their own manager - and they continue to call me daily. They are still " researching '' it as they can see I made my payment ( they have place a copy of the receipt in the request on my account ). They have lost my check. I 've offered to provide a replacement check if they would pay for the " stop payment fees '' on the check they lost ( which they tell me they probably ca n't do ). If they do n't post my payment by XXXX/XXXX/17 it will be considered 30 days late and they will report a late payment to my credit ( I have NO LATE PAYMENTS on my Credit ) but assure me that since it is their fault, they will have that removed. I do n't believe them, I do n't trust them since this has been ongoing since XXXX/XXXX/17 and they are " still researching '' the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list f accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15USC1681 XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX - {$980.00} XXXX XXXX - XXXX - {$2600.00} XXXX  - Account # XXXX {$72000.00} XXXX XXXX Bank Account XXXX XXXX - {$300.00} 15 U.S.C 1681 section 602A. 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. 

15U.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: Checking or savings account

XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding my bank, Navy Federal. I have experienced multiple overdraft fees due to my account being allowed to overdraft, which I find excessive and poorly communicated.

Additionally, my mobile deposited checks have bounced despite having sufficient funds at the time of deposit, resulting in further fees and complications. I can now never deposit with Navy Federal for the fact that they misuse my funds. They do this by either taking my checks and not allowing it to process making me have to cash it at a bank. Or them issuing me the money and taking it back causing me to repay them my hard earned money, and that's right on top of their added fees!

This puts me and my two small children in financial distress! After making money I have to go out and make more money doing ride shares just to get out of debt with my bank I'm supposed to trust.

I urge the CFPB to investigate these practices and ensure consumer protection against unfair banking policies.

Thank you for your attention to this matter.

Sincerely, A navy federal account holder
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence to furnishes accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures align with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing im going harm to my Credit standing. I am requesting immediately corrective action to remove or amend the disputed accounts, as experians inaction violate federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 an account without my written instructions
Product: Debt collection

Had a 3rd party call and leave a voicemail saying they were going to show up to my home or place of employment I tried to contact the number given on voice mail. A XXXX XXXX only referred to company as XXXX was very aggressive via phone wouldnt answer questions and was sarcastic conniving when asking for manager
Product: Debt collection

CONSUMER FRAUD. THIS ACCOUNT WAS ALREADY PAID WITH MY SECURITIES. IT SHOULD SHOW PAID AS AGREED as of XXXX the moment I endorsed the promissory note for payment if full. Additional payments we made under false pretenses as if my original payment didn't clear. a 1099-c was issued to the IRS discharging this debt after the promissory note cleared. XXXX, XXXX and XXXX are all reporting this as if it was not paid and I have spoken to all 3 agencies to have it removed and I have spoken with Santander Consumer USA to have it removed due to non-validation of debt but they refuse to mark it PAID AS AGREED resulting in me being denied credit. this goes against the EMERGENCY BANKING ACT 1933.