23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

NAVY FEDERAL CREDIT UNION CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION AFTER HAVING BEEN DISPUTED MULTIPLE TIMES. COMPANIES FAILURE TO PROVIDE ADEQUATE PROOF OF DEBT WHEN REQUESTED WHEN REQUESTED MULTIPLE TIMES SINCE XX/XX/2015. CONTINUES TO TARNISH CREDIT WORTHINESS AS A RESULT. AS A RESULT OF TARNISHED CREDIT WORTHINESS I HAVE BEEN DAMAGED FINANCIALLY AND MY CREDIT REPUTATION AN EMBARRASSMENT BECAUSE OF NAVY FEDERAL CREDIT UNION CONTINUING TO HARRASS ME BY MEANS OF DAMAGING MY CREDIT AND PROVIDING FALSE INFORMATION TO ALL XXXX CREDIT BUREAUS, EVEN WHEN DISPUTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THE WESTERN SHAMROCK ACCOUNT. IT MUST HAVE BEEN OPENED FRAUDULENTLY. I NEVER ACCEPTED A XXXX DOLLAR LOAN, FROM WESTERN SHAMROCK. WESTERN SHAMROCK WILL NOT STOP THE REPORTING, OF THE ACCOUNT, TO THE CREDIT BUREAUS. THEY WIL NOT REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS.
Product: Credit card or prepaid card

AMEX promoted waiving fee on XXXX precheck. So I charged and they would not support my platinum card. But they list it below. When I called for credit, they said my card was ineligible which is very misleading from info below. I could have used my XXXX XXXX and received the credit. But now I am stuck. I think they owe me the {$78.00} dollars. 

XXXX PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card Members, and Marriott Bonvoy Brilliant American Express Card Members.
Product: Checking or savings account

On XX/XX/year>, my mother, sister, and I received a call from a representative claiming to be XXXX from the USAA Financial Crimes Investigation Department. The number provided was XXXX, extension XXXX, with hours of operation from Monday to Friday, XXXX XXXX to XXXX XXXX. We still have a record of this call and the incoming number, XXXX, both appearing to be from USAA, attempting to obtain information about my account. My mother refused to provide any information and called USAA four times that day to inquire about the calls, which seemed suspicious. USAA confirmed that if no one from their team had called, it would be documented, and my mother 's request for this incident to be noted was recorded. 

Subsequently, I received multiple calls from the same person asking for confidential information. I declined to provide any details, especially after the caller asked if I had requested an increase on my credit card limit with USAA. I do not have a credit card with USAA, and therefore I terminated the call immediately. 

On or around XX/XX/year>, I was contacted by USAA regarding a check deposited into my account via an in-branch transaction that I was unaware of. I have copies of this check as evidence. It is important to note that there are no USAA branches in the XXXX of Massachusetts, which raises a red flag. Additionally, I have never lived or conducted any business in California, which is another cause for concern. 

I am currently on XXXX XXXX XXXX, and my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated. The bank closed my account when I requested an investigation into this matter. Additionally, they have blocked my access to the account and my funds from my employment, stating I would need to wait 60-90 days to receive a check. I urgently require assistance in recovering my funds as I have bills to pay. 

Furthermore, it appears USAA has been compromised by a security breach involving XXXX actors, yet failed to notify its customers, leading to the closure of accounts belonging to victims of such negligence. Had USAA had an account take over this probably would not have happened due to their negligence my account information was compromised and someone hacked my account and information. 

I am seeking immediate assistance to resolve this matter and to receive my funds without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have a letter from XXXX and the Bankruptcy Courts stating that their company did not report this inaccurate information.
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. 

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 XXXX XXXX  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 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.
Product: Credit reporting or other personal consumer reports

It has come to my attention multiple Inquires were made without my knowledge. 

XXXX 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/2024 I have contacted both XXXX and Banks and have reach no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX licensing where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit card

I needed a moving company to move and store all of my belongings as we sold our house and had to be out by XX/XX/XXXX. I looked online and XXXX came up at the top of the list. I contacted them and XXXX XXXX called me on XX/XX/XXXX and said that XXXX could move and store all our belongings for XXXX months. I made a {$2900.00} payment on my Chase Visa credit card for XXXX the cost. I contacted XXXX many many times after XX/XX/XXXX asking to have someone come and look at all we had to move, including large paintings, antiques, a piano in a XXXX square foot house. Although XXXX texted back once and said he travels all the time and would be glad to meet, I never heard from him again, despite numerous emails, texts and phone calls. I have copies of the texts and emails. I started to panic by the end of XXXX and consulted with a friend who used to own a moving company. He told me that XXXX was probably a fraudulent company and that I should call Chase Visa and let them know. He also referred me to another moving company that subsequently had me video the entire house and all the contents, sent numerous explanatory emails and talked with me on the phone many times. Chase Visa initially removed the charge, but then XXXX disputed it and Chase asked if I wanted to continue the dispute, which I did. I sent them a long explanation detailing all of my attempts to contact XXXX as well as copies of my texts and emails. I talked with numerous Chase Visa customer service dispute representatives. I called them in early XXXX to find out the status of the dispute, and at that time, the representative suggested I call back after XX/XX/XXXX as that was the date XXXX originally said they would come, and let them know if anyone showed up. No one called or showed up, and I reported that on XX/XX/XXXX. To my surprise, I received a letter from Chase Visa dated XX/XX/XXXX stating that " We reviewed the information available and found that you either received the services or the merchant made them available to you. '' I never received any services and Chase Visa knew that. In fact, their most recent letter to me said something very different, " While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid. '' I have no idea what that means, but I can't help but wonder if Chase Visa has a financial stake in approving these charges because of the money they make off of them. I am quite sure they have received other charges from XXXX or companies like them. I expect that there are many others who have been charged for services that were never provided and that Chase Cardmember Services may continue to unfairly charge their clients for those services. 

I have copies of my emails and texts to XXXX as well as the letters I have received from Chase Cardmember Services. I am happy to send those along if you want them, but at this point, I have just included the two summaries I sent to Chase Cardmember Services Disputes.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant. 
According to XXXX XXXX, I have a legal right to privacy and accuracy regarding my financial data. Specifically : XXXX XXXX Section XXXX ( a ) affirms my right to financial privacy. 
XXXX XXXX Section XXXX ( a ) ( XXXX ) states that accounts can not be reported without explicit written authorization. 
XXXX XXXX ( a ) ( XXXX ) prohibits reporting adverse information older than XXXX years ( except criminal convictions ). 
XXXX XXXX ( a ) ( XXXX ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Debt collection

This debt has been removed from all XXXX Credit Bureaus several times over the past 2 years and they keep submitting every 90-120 days after it has been removed. this is a Hippa Violation and a violation of my credit rights affecting me negatively after I've worked so hard to maintain good credit over the past 10 years. my score was XXXX when they started this. Please help or contact me as soon as possible @ XXXX or email me XXXX. Thank you. 

XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX
Product: Checking or savings account

Ciitbank completed a compliance investigation that was required by law. According to the Citibank customer service department the investigation was completed satisfactory and the account blockage should be removed within 48 hours. However, the checking account was blocked since XX/XX/XXXX, and I have not being able to use the funds or withdraw the funds to close the account. 

On XX/XX/XXXX, I visited the Citibank Branch and met with Citibank XXXX XXXX XXXX XXXX XXXX ( XXXX ). I explained XXXX that the the compliance investigation started in XX/XX/XXXX and that I have provided all the documentation requested by the Citibank department. On my last conversation with the customer service department, they confirmed that the investigation was completed and that the removal should be process within 48 hours. XXXX reviewed my account and contacted several people over the phone and confirmed that the compliance investigation was completed satisfactory and that the blockage should be removed. However, He was not able to obtain a removal of the blockage of the account. 

Citibank is holding {$3200.00} fund in the account which i can not have access to even after requesting the closure of the account.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/23 through XXXX report number XXXX. I requested Bank Of America to remove account from my report if they did not have verifed documentation of my request to close the account, which is stated by them on my report. They willfully non complied with my request and to accurately verify info
Product: Credit card or prepaid card

XXXX XXXX refunded me in full for my stay on XXXX  - XX/XX/ for {$380.00} on XXXXXXXXz There has been no information as to why I was charged again on XXXX. Ive spoken to several employees as well as sending an email to the manager asking for clarification. No one had gotten back to me. 

I opened a dispute with Wells Fargo on XX/XX/. I forwarded the email from the hotel stating I would be refunded. Wells Fargo said they will credit me the charge on XX/XX/. I reviewed my account and the charge was not credited. I called again on XXXX  the dispute rep said she saw all of the information there and would process the credit. To date the credit has not happened. I called on XX/XX/XXXX  and the dispute rep now tells me they have to close the old dispute and create a new one. 
I need this resolved and the interest rates from the fraudulent charged credited back to my account. 

Please advise on next steps.
Product: Credit reporting or other personal consumer reports

I Disputed debt directly with creditor, only XXXX was removed and updated Equifax and XXXX inaccurate data still remains on my credit report. I have been denied credit due to error.
Product: Debt collection

I am a member of XXXX and XXXX XXXX XXXX XXXX XXXX was advised of this and not to bill me. I provided them both my XXXX and XXXX information on 3 occasions. They have now sent me to a collection agency, CBCS, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX, Account # XXXX for {$1100.00}. I spoke to XXXX on XX/XX/2020 at CBCS and advised her I was XXXX.
Product: Checking or savings account

On  XXXX   XXXX , I went to Bank of America to close my deceased mother 's checking account. I gave them her death certificate and letters testamentary showing that I am the executor. They told me they would send it to their estate dept, I would hear from someone withi n 48  hours, and that the process would take 10 days -  2  weeks to complete. After about  2 w eeks I called them as I had not heard from anyone. The  manager  told me that I needed to fill out more paperwork, have it notarized and bring it in. I did all this and she told me that I should receive a check in 10 days  - 2 wee ks. After  2 1/2  weeks I called again to find out why I had n't received anything. After checking with the estate dept., she said that someone finally looked at the account and realized that it was left to the family trust, so we would need to start over again and a ll 5  trustees would need to fill out new forms, notarize them and send them back. SOMEONE FINALLY LOOKED AT THE ACCOUNT  FIVE  WEEKS INTO THE PROCESS!!! This was on  XXXX   XXXX , and the  manager  said she would mail the forms that day. My sister finally received her paperwork postmarked  XXXX   XXXX , over a week later. This has taken almost  two  months and still no resolution. We have been lied to and deliberately delayed.   Bank of America is making this process as difficult as possible, and dragging out the process as long as possible, either willfully or through complete incompetence. I believe they want to keep the money as long as they can.
Product: Credit reporting

Since  XXXX    XXXX   I have been trying to get my free  credit score form Experian. My credit score from   XXXX  is  XXXX . M y credit score  from   XXXX   is  XXXX . But my FICO score is  XXXX . Experian will only provide me with a very truncated credit report and no score. Experian also wants me to pay for  my credit score. I  refuse to pay and Experian provides not alternative.
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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights.

Thank you for your prompt attention to this matter.

THESE ARE THE ACCOUNTS : was alarmed to find the following accounts that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : this address is not mine ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a dispute letter to remove the incorrect addresses being reported on my credit report. They have not been removed.