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

Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

15 U>S>C section 602 A. States I have the right to privacy.

15 U.S.C 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 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 evidence of 11 different violations from Experian, XXXX, and XXXX. That I will provide in docs.
Product: Debt collection

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
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, balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I was looking to create an account with Experian to ensure that my credit reporting was unfrozen as part of a form submission. When checking on Experian, it already said that there was an account created and provided phone numbers and an email that have never belonged to me. When I tried to call Experian to speak with a representative about the issue and have the account shut down or transferred to my actual email address and phone numbers with identity verification I was unable to. The phone number provided by Experian does not allow you to connect to a representative and does not have an option to rectify this issue. I have tried multiple times to even start a dispute and get a representative on the line but I am still unable to do so and Experian does not provide a means to send them an email with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam, I understand that you had responded to the CFPB complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX of PA Banking Commission, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX 's CFPB complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned CFPB complaint with this authorization. Best Regards, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately   XXXX   XXXX    2017  I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017,  it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX  payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.
Product: Payday loan, title loan, or personal loan

Georgia State Information Legal Status : Prohibited Citation : Ga. Code Ann . 16-17-1 et seq. 

Small Loan Rate Cap ( Industrial Loan Act ) 60 % per year usury cap This company charge way to much interest on their loans. I borrowed {$300.00} on XX/XX/2018 and have since payed that sum back plus more. 

XXXX XXXX XXXX XXXX is a law firm out of California that is investigating this company. This is what was said about XXXX from this law firm, " XXXX is an internet payday/installment lender that is issuing loans with interest rates that well exceed Californias limits. XXXX tries to avoid following Californias interest rate limits by purporting to be affiliated with a XXXX XXXX XXXX, even though our investigation indicates the XXXX does not control nor operate the lender. We believe this is wrong '' ( Cited from : XXXX XXXX XXXX ). 

I can't continue to pay the {$59.00} every 2 weeks that are ACH out of my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Money transfer, virtual currency, or money service

XX/XX/year> using my mobile app taking pictures of a check from XXXX XXXX  {$3400.00} on a digital card from Capital One and they have refused to explain why it's being held up and if there's a problem why not release my check so as to take it to XXXX XXXX. Refuse and evasive and even rude. 
The check was sent to XXXX XXXX  by the United States Treasury Department for me XXXX XXXX XXXX. I also have {$200.00}, on another card. I would request that my funds be sent to my XXXX XXXX XXXX account please and close Capital One account and delete my information.
Product: Credit reporting or other personal consumer reports

Someone apply for information on me and I didnt apply for dont no who this year and I didnt authorize for it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor 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: Credit reporting or other personal consumer reports

I reviewed my credit report 2024 of XXXX and noticing EXCESSIVE, unlawful credit reporting violations BY TRANSUNION, XXXX in accordance of ; 15 U.S. Code 6821 ( a ) ( 1 ) ( 2 ) ( 3 ) - Privacy protection for customer information of financial institutions.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A " person '' and or company 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

Transform Credits blatant violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting a negative account since 2023 has had severe repercussions on my financial stability and mental well-being. Under the FCRA, credit reporting agencies are mandated to ensure that all information they report is accurate and up-to-date. Transform Credits failure to rectify this erroneous information, despite numerous requests for correction, constitutes a serious breach of this obligation. 

This disregard for FCRA requirements has led to substantial financial hardship, including the denial of credit opportunities and increased interest rates, exacerbating my economic struggles. The ongoing presence of this negative account on my credit report has not only impeded my financial recovery but has also inflicted significant mental distress. The persistent stress and XXXX stemming from the financial instability caused by Transform Credits misconduct are intolerable and directly contravene the protections afforded under CFPB regulations designed to safeguard consumers from such injustices. 

In light of these violations, it is imperative that corrective actions be taken to rectify the inaccuracies and address the considerable damages suffered.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Credit reporting or other personal consumer reports

Please be advised that I am formally disputing the inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company refuses to investigate a fraudulent charge made with my information. I contacted the creditor directly and they had no record or proof that I requested the information, instead they tried to get my personal banking and answers to secret questions usually used when establishing credit. The fraudulent creditor is perfection collection
Product: Payday loan, title loan, or personal loan

I financed a washer from XXXX XXXX in XXXX, XXXX  in XXXX XXXX. I have been paying monthly on time and called to request a pay off balance since I have paid appr. {$460.00} of the {$760.00} I financed, and they stated the pay off balance would be {$690.00}. The interest rate is XXXX XXXX, which is beyond the XXXX installment loan interest cap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Self Financial and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. 

Self financial is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm honestly not sure how to even approach this. I received an email with Experian asking me to confirm if a vehicle was mine. I have a credit freeze at all the bureaus so no loans should be able to be taken out but I logged in. The vehicle they are asking about? My roommate 's XXXX  XXXX. It is paid off. There's no reason to even ask about it because there is no reason for it to be on " my credit report ''. I was never on his loan. I was never on his title. As far as Experian is concerned? We are complete strangers. 

This is not a question they should be asking me AT ALL. We do not share the same last name. We do not share any financial information or bank accounts. Our finances are NOT co-mingled in anyway. 

I can not begin to understand what Experian is doing here but it is so beyond what is appropriate. 

What if I had said yes and claimed this vehicle as mine? It is paid off?
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Management Corporation and XXXX XXXX are in direct violation of my consumer right ( HIPPA Violations ) I've reached out and tried to receive clarity on the matter, however I have had no luck reaching anyone. Ive asked for a copy of the original agreement from both parties involved. Also I have asked for an itemized bill reflecting the charges and I have been met with extreme refusal and disrespectful representatives. PLEASE HELP ME OUT
Product: Mortgage

I have Ditech auto pay since I had this loan. Habitually EVERY MONTH Ditech either does n't deduct the auto pay, skips a month which would result me being past due, or cancelled my auto pay and reinstated it the next month. I have to babysit my auto pay EVERY month because I have NO faith that Ditech will do this correctly. I have spoken to high level supervisors who tell me this wo n't happen again, and hence it did AGAIN. My payment is due XXXX XXXX, 2016 and they show a debit date which is XXXX/XXXX/16 which would make me not only 30 days late but jeopardize my pristine payment history and also the terms of my modification state I can not be late. I find this deceitful practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 in XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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 XXXX 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 1002 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXXXXXX XXXX XXXX, OR XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX acct XXXX XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX, TX XXXX acct XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx, XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX acct # XXXX U.S Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of 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 ''