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

I am writing to address my ongoing concerns about the disputed accounts on my credit report. I have repeatedly raised issues regarding inaccuracies in these accounts and requested thorough investigations, but I have not yet received any resolution or corrective action. 

These incorrect accounts are severely impacting my credit and creating significant personal and financial difficulties. I urgently need your assistance to resolve this matter as quickly as possible. 

Please conduct a detailed review of the disputed accounts and take immediate steps to update and correct my credit report. Restoring the accuracy of my credit file is crucial for regaining control of my financial situation. 

I appreciate your prompt attention to this issue and your support in resolving it. Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were 33 inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went 2 3 dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian.com deceptively enrolled me for a recurring membership, that charged me over {$20.00} a month. I never knowingly signed up for it, and this has left me with a VERY bad impression of Experian 's practices. I 'm surprised this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Equifax Credit Report today using their TrustedID XXXX XXXX. It took Equifax a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I do not want my name, address or state published. My wife and I are members of Navy Federal Credit Union 37 years now, I am retired XXXX, and 100 % XXXX with the VA for XXXX and other medical ailments. in or about XXXX my wife and I got way over our heads in dept and had to file bankruptcy. Navy Federal Credit Union was one of our creditors that took a loss. From XXXX to XXXX Navy Federal has told us we can only have a checking and savings accounts, no visa, no loans of any kind! In XX/XX/XXXX we found out about the VA XXXX loan refinance which would have been great as our present loan was at 4.625 %. We contacted some banks to get the lowest rate well Navy Federal Did? 2.7 %, at 2.5 points, Balance on our present loan was {$400000.00}, Navy Federal said we did not need to pay any money upfront all would be rolled into the loan so the total we had to refinance would be {$420000.00}. My wife and I asked several times over the past 30 days did Navy Federal Change its policy IRT members declaring bankruptcy and Navy Federal taking a loss? We were told yes? We filled out all paper work submitted it, we received notification that our POC in the loan dept was? we contacted the individual and received an out of office reply that he just started his two week vacation? So after complaining we were assigned a new individual, we worked with him for the remainder of the 30 day period and he was a supervisor, he informed us around the XXXX of XX/XX/XXXX that we would close on XXXX XXXX XXXX up until XXXX XX/XX/XXXX my wife and I heard nothing further on closing, so we contacted our NFCU loan rep and he stated we are still waiting for your mortgage company to send us the payoff amount? We will have to close sometime next week? So XXXX XXXX to XXXX XX/XX/XXXX we hear nothing? then on XXXX XX/XX/XXXX at XXXX in the afternoon our NFCU loan rep calls us and says after our underwriting did a final check a red flag came up on your account that 22 years ago Navy Federal Credit Union took a loss when you filed bankruptcy and it is NFCU 's policy that we can not make any loans due to prior loan loss. so I told the NFCU rep we were totally disgusted and have been led on by the banks inattention to detail, Providing my wife and I with a false hope of getting an IRRRL loan for over a month, we fully disclosed everything about our bankruptcy, but the banks excuse is we apologize it was an unfortunate oversight on our part? My wife and I both have credit scores at or over XXXX!!!
Product: Debt collection

An account was opened in my name with XXXX XXXX in XX/XX/2019 as a result of identity theft. This account has never shown up as a trade line on my credit so I was unaware untilI being contacted by XXXX XXXX recently. I have advised both companies of the identity theft and fraud. Neither company had provided any response about removing the account from my credit profile after several attempts. This is limiting my ability to obtain credit and negatively impacting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my finance company.The very first day I got the car I tried explaining to XXXX ( sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over 18,000 miles on the dash board but my paper work was showing only 3,000. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over 5,600.00 to have my car rewired. and paid my car note. Soon after that my brother XXXX XXXX who was not in any life insurance so me and my family had to come up with the money for his XXXX and XXXX. So, I was speaking with a rep from XXXX who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that XXXX hired them to repo the car. Both of these companies has violated me. XXXX should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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: Debt collection

XXXX, XXXX XXXX XXXX, XXXX. Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, State of Ct Department of social service Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX Bank acct XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Have 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 instruction.
Product: Credit reporting or other personal consumer reports

On XXXX I call XXXX XXXX XXXX  to ask for a 4 grace period due to the fact that I was getting retire and with the money I was receiving I wasnt able to pay for the month of XXXX XXXX XXXX and XXXX. The customer service representative told me that she was going to put my two credit card that I have with them on hold for those months so I didnt get any late payments fees and she said that I was supposed to be ok with that. She said that after I started having my retirement payments that I could start paying them. So I did what she said and now that I see my credit report I saw that they put me 4 late payments on each card saying that I have late payments for 150 days. 4 late payments on the card that ends on XXXX and the other credit card that ends on XXXX. On the other hand they didnt gave me any paperwork for these agreement.
Product: Debt collection

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$49.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified fraudulent accounts that I did not authorized. These accounts are severely damaging my creditworthiness and hurting my ability to obtain credit, and I demand their immediate removal.
Product: Credit reporting or other personal consumer reports

After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major XXXX bureaus. However the screenshots in THIS report will reflect inquiries on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan have had my rights violated by EQUIFAX. EQUIFAX have recorded information on my file without my written consent violating 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681n ( a ) ( 1 ), EQUIFAX are civilly liable to me. I have made them aware of this as evidenced by CFPB complaint number XXXX. On XXXX I received an updated file stating that all six accounts in question would remain on my file, now making them willfully noncompliant pursuant to 15 USC 1681n ( a ) ( 2 ). Their reasoning for this was that all accounts were verified by the creditors, which can not be true as I am the original creditor as defined by 15 USC 1602. EQUIFAX, after being made aware of their transgressions are now civilly liable to for me damages in the amount of {$1000.00} per instance of violation pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). I am demanding that EQUIFAX delete all accounts in question from my file and compensate me for all damages to which they are civilly liable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in court of law in XXXX XXXX Florida on XX/XX/XXXX. That day I changed my name, using the court order, with the Social Security Administration. Later, the next week, I began changing the name on my driver 's license, bank accounts, utility accounts, etc. 

In XXXX, I discovered that none of the credit reporting agencies picked up on my new name, so I contacted each XXXX. XXXX allowed me to change my name on my credit report over the phone by extensively asking me information on my credit history in which only I would have the knowledge. Experian required a copy of the court order, my new driver 's license, XXXX utility bills in my new name and my new Social Security card by mail. I sent them all of that information by mail with a tracking number. 

I then received an email from Experian, after logging into their website and looking at my account. My Experian account said I had NO XXXX XXXX. Since I am XXXX XXXX XXXX and have bought houses, cars and have had investment accounts over the course of my life, I found this absurd. So, I contacted them via a form on their website explaining the problem and asking them to move my information from my old name to my new name, since only my name had changed and not my credit history. 

I received an email reply from " XXXX XXXX '' stating : " Thank you for contacting Experian. I understand the concern with your score. 

Your score XXXX not be available at this time. Upon checking your account, it shows that there are no trade lines that are 6 months or older- XXXX Report. 

You can add self-reported utility payments to your credit report through XXXX XXXX ' which can instantly increase your FICO Score based on your Experian credit report. '' This seems to be a predatory business practice and XXXX discrimination. Are they telling me that every woman who gets married loses their credit history when she takes the name of her husband? And does every husband lose their history when he adds his wife 's maiden name to his last name? 

Telling me that I need to pay them ( Experian ) for " Experian XXXX '' and to personally and manually take the time to provide them with my last XXXX months of utility bills ( which I don't have since I won't have my new name for XXXX months until XXXX, XXXX ) seems like a slimy way to chisel money out of people who have had a XXXX XXXX in the XXXX 's for years. 

This predatory practice and XXXX discrimination needs to stop and my credit history under my old name needs to be restored, since I am the same person I began to be 73 years ago and have had a credit history for over 50 years.
Product: Bank account or service

I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and my credit report shows a " Collections Accounts '' section that includes a closed XXXX account. I was billed, and the account was closed and paid in full in XX/XX/2017, which is reflected on the credit report. This Collections Report is showing damage to my credit and to the purchase of a property for my XXXX I am including a copy of my final bill and payment as proof from the receipts in my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

Transunion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX  XX/XX/XXXX