23daVinci/CFPB_Complaints huggingface dataset:
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 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. 


I have called and spoken with customer service of WFC, and I have filed disputes with XXXX, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account.

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these WFC accounts. I have tried to rectify this over the past 60 days.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by Transunion, XXXX, and XXXX. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

XXXX  sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the Ally note was paid in full, XXXX  is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score FIFTY ( 50 ) points.
Product: Debt collection

On XX/XX/19 received 1 page notice for a court hearing for garnishment. That is held on Monday XX/XX/19 per notice the date for XX/XX/XXXX. Garnishment in regards to a vehicle that was repossessed 2 years ago. & on my credit report shows the repossession & the account was closed. Havent received no documents or calls in regards to the matter until today
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED IN THE ATTACHMENTS ARE FRAUDULENT
Product: Checking or savings account

Hey I have disputed 5 transactions on my account that has been unauthorized. I have place a dispute the merchant chime but they refused to give me any funds regarding my account can someone please help me. I would like my funds back
Product: Debt collection

i never received any information about the car they never told me whether they sold the car or left it in impound i need proof of this and i let them know where the car was so for them to leave it at the XXXX dealership was not my fault it was their responsibility to get the vehicle of XXXX property. also where is the vehicle mow and i never received any information about that also. Did you investigate or just took what Exeter responded and closed the case out, I need proof
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting 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: Credit card or prepaid card

Citi Bank first notified me that it would close all my bank accounts on XX/XX/2022. I called the number Citi gave me for the reason of account closing, and was told that the decision was made by the branch. I went to the Citi local branch, but the branch has no clue. 

Then Cit closed all my credit accounts on XX/XX/2022 without prior notification. I learned this because I used Citi credit card as my default card to pay online order of medication, and I did not get my medication on time, and then I found out that the card was inactive. 
with prior notification. Citi nullified all my reward cash and points. 

I called Citi multiple times, but they did not explain to me why they closed my accounts. I also asked that Citi reimbues me all my earned reward cash and points, but Citi refused my request. I then wrote to Citi address in their account closing, inquiring the account closing reason. Citi told me that it did not receive my letter. I then contacted Cito executive office. It replied that it had already notified me on XX/XX/2022. I responded by telling it that XX/XX/2022 notice was for banking accounts not for credit accounts. ( Indeed, when I went to Cito branch to close my bank account at the end of XX/XX/2022, the clerk did not mention at all that Citi would close my credit accounts. ) I also attached a copy of letter I sent to the email ( to the Executive office ), asking Cit to send the credit card account closing reason. Citi did not bother to read the attachment, keeping saying that it had already responded to my inquiry. Up to this point, I still don't know the reason that Citi decided to close my credit card accounts.

I ask the following from Citi. ( 1 ) Inform me the reason that it closed my credit card accounts. ( 2 ) Reimburse me the reward cash and points I had earned on my cards.

Citi 's behavior of closing my credit card accounts was unprofessional and even life threatening -- I did not get my medication on time because I did not know in advance that Citi would close my credit card accounts while Citi card was set as a default payment. I wish that CFPB will investigate such behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.
Product: Checking or savings account

As stated in previous letter I have asked for certain information pertaining this issue and wells Fargo is not investigating correctly I spoke with the rep from wells Fargo told her what the issue was what I was asking for for documents. I have also stated I didn't check in not my signature wells Fargo has failed to investigate correctly This also a accommodation letter asking for the details and documents I need to continue with this case.
Product: Credit reporting

I contacted Transunion over the phone in regards to inquiries in my credit. I advised TransUnion that hard inquiries are to be in my file for 2 years, I was advised it will in in my files one more month. I advised Transunion the allotted tome for inquiries to be in my file has expired and to delete the following inquiries. XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX XXXX/XXXX/2013. I was advised the inquiries will not be deleted on their two year anniversary date.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

I was never late on the accounts that I am reporting. I am asking for proof and documents to prove that I was ever late and for the past months that I am disputing I havent received any copies of the requested proof. These inaccurate reports affects my scores so bad. Please help me out and have this deleted.
Product: Student loan

Requested a deferment and never received anything back at all after several attempts. It is now reporting negatively on my credit report.
Product: Mortgage

I submitted all pay stubs they asked for for 30 days. It was XXXX dollars earned for 30 days of work they claim they never got the other pay stubs. I have submitted everything they asked for. I get a letter they didnt get it XXXX so sick of this with this company I am about ready to refinance my mortgage with another company.
Product: Credit reporting or other personal consumer reports

Company requested proof of identity which was sent. They completely ignored the response. They are reporting a bankruptcy as an individual bankruptcy, which is inaccurate as it was due to business. They have been notified of same on numerous occasions, yet refuse to stop reporting the information. It is inaccurate and having an adverse effect on my credit. It should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the Equifax data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal
Product: Credit card or prepaid card

My unemployment card has not come in the mail yet after weeks
Product: Credit card or prepaid card

Hi, need help please and thank you for what you do! American Express charged me a late fee and triggered penalty APR on a Sunday, XXXX, XXXX, XXXX. Previously, Amex sent me a bunch of emails, statement notices, etc on the offer for Plan it, so I took advantage of their Plan it promotions for like 4 %. But, Ouch! On that Sunday, APR went to 21 %, with notice of pending 29 % penalty rate on the $ XXXX Plan It balance I owed. I saw the late fee when i paid my bill on Monday, XX/XX/XXXX, but didnt connect at the time the penalty APR. It was buried in my monthly statement received weeks later. So, please first ... is Sunday a biz day per Reg Z for credit card companies? Amex told me they were open and too bad so sad on the penalty APR. Why wouldn't credit cards be like my mortgage if due date lands on a Sunday or non biz day it rolls to next biz day? Credit cards cant receive my written correspondence from XXXX mail on a Sunday, so how can it count as a biz day? Second one please .... whats the scoop on Amex needing to tell me penalty APR triggered? I barely saw it because of the interest charge and it was weeks later when i went to pay again. i get many Amex promotional emails but no email on this event. Just all feels bait and switch, gotcha predatory garbage. Glad you exist, thank you. Holler if you need me, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me. I implore you to carry out a thorough inquiry and swiftly eliminate them from my credit report.
Product: Credit reporting or other personal consumer reports

Can I please get clarity on these FCRA consumer laws : 15usc 1637 ( b ) says a collection company MUST let me known30 days ahead of time they plan on reporting & give me time ( 21 days-30days ) to respond.Months ago i proved to you Columbia Debt Recovery didn't do that and showed you it was removed from every other bueror because of this ; so What part of that law gives them the right to still be on my report? And gives you the right to not hold them accountable?

Consumer law 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY & " transactions '' aren't legally obligated to be reported and even if a company " may '' or chooses to report I have the right to REVOKE my consent at any point for any reason ESPECIALLY if what the company reports aren't the same across all bueros/agencies..

I showed copies and highlighted everything single inconsistency and highlighted where our agreement says " may '' gave the standard 30 days to fix things you guys said verified didn't tell me how different reportings of the same account got validated or which is a violation of Law 15usc 1681e! Right??

So how are these companies still on my report if tou are upholding the law??? 

I referenced XXXX XXXX XXXX I referenced FCRA site as well as CFPB for laws even confirmed with chat GPT. You have lawsuits showing you fail to do your job and help us fight for ourselves but you choose to still do wrong. If I have to open a class action lawsuit I will. I will sue for deformation for letting these companies continually positive or negitvley report incorrect information and you give them months to change what should had been changed in days or never wrong! That's a XXXXXXXX XXXX pay out per violation if I really wanted to fight but I just want what's legally due to me. 

If I'm incorrect about these laws PROOF IT using the law and explaing word for word what they mean by the words they say... it's your DUTY to do so.
Product: Credit reporting or other personal consumer reports

This is not my account! And I demand the deletion!!!!! I am a victim of identity fraud To whom it may concern I XXXX XXXX am a consumer and natural person fully aware of my rights Protected by the Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The provisions of under 15USC 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 USC 1681 SECTION 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions.I request the immediate deletion of this account, Unless you wish to be held liable for {$1000.00} per violation I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report! 

Best Regards XXXX XXXX
Product: Checking or savings account

I keep receiving emails from Bank of America regarding a new checking and savings account being opened under my name. I have called two times to close these accounts. But it continues to happen. I would like Bank of America to take action and not allow these accounts to be opened online. I am worried something fraud will result from these instances.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Subject : Urgent Request : Correcting Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear [ Recipient 's Name ], I'm writing to address significant discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). It has come to my attention that several errors persist in my credit profile, indicating a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent dissemination of consumer credit data. 

Instances of FCRA violations that require immediate attention include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes within agencies. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
The removal of outdated negative information, typically after seven years or ten in cases of bankruptcy. 
I formally request the immediate removal of the listed items below, as they unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
1. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

2. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

3. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 




I expect prompt action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are honored. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

didn't open account don't know what kikoff is caused my credit score to go down want removed and credit score fixed back to XXXX fix my credit score back to XXXX remove kikoff never opened it don't know what it evan is
Product: Bank account or service

Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. 

b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. 

c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. 

d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. 

e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. 

f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. 

g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. 

h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. 

I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. 

XXXX XXXX