23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 ( a ) states I have a right to privacy. 

Furthermore, 15 U.S.C. 1681 Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my, the consumers, written instructions. 

15 U.S.C. 1681c-2 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of adverse 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 ) states 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 card or prepaid card

I have three accounts that have been closed with My Synchrony Bank without my permission. All accounts were in good standing and have been paid off. The first account is a XXXX XXXX XXXX  account that had a limit of {$1200.00} that was closed on XX/XX/XXXX. The second account is a XXXX XXXX  account with a limit of {$3000.00} that was closed on XX/XX/XXXX. The last account is a XXXX XXXX account with a limit of {$1500.00} that was closed on XX/XX/XXXX. I have done a previous complaint with the CFPB on XXXX in which the company responded and stated that my account was due to their sound credit scoring system and the pull of my XXXX credit file. However, this is a direct violation to 15 U.S Code 1681a ( k ). I did not give synchrony consent to obtain my consumer file with XXXX to close my accounts on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not consent to my credit report being pulled at all.
Product: Credit card

Initial fraud report on XX/XX/XXXX. Followup on XX/XX/XXXX XXXX told XXXX would be complete by XX/XX/XXXX. Followed up XX/XX/XXXX XXXX told they have XXXX  days to respond and would be settled by XX/XX/XXXX. Followed up XX/XX/XXXXXXXX XXXX representative very combative and argumentative would not tell me a date investigation would be settled by, only no response by merchants. Requested to speak with supervisor. XXXX returned, stated there had been no response from any merchants on disputes and merchants have XXXX billing cycles or XXXX days to respond and XX/XX/XXXX would be final day to respond by merchants. Statements attached for amounts and other information. This also damaged my credit report and lowered my scores. Unsure if Citi will correct this when all is done.
Product: Credit reporting

I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else.
Product: Credit card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.
Product: Credit reporting or other personal consumer reports

My credit report includes unauthorized hard inquiries that go against 15 USC 1681b ( c ) ( 2 ). These errors are negatively affecting my credit score. Please remove them.
Product: Credit card or prepaid card

I applied for a Citi credit card on XX/XX/XXXX and I was rejected. When the denial letter came in the mail, the reason presented was, " The credit privileges on your existing account ( s ) are currently restricted. '' I tried to ascertain why my privileges were restricted, considering I was a long-time Citi customer from XXXX to XXXX. I contacted the Citi Reconsideration team and the Citi Executive Response team ( both by mail and over the phone ), and they would not provide any additional information why my privileges were restricted. Furthermore, they added that the application was rejected due to Citi 's internal guidelines and not due to the information on my credit report because I have excellent credit. At every turn, Citi has not been transparent with why the bank rejected me for a Citi card, especially since I was a long-term Citi customer with an excellent relationship and history. This lack of transparency and malicious behavior is unfair and could potentially constitute a violation of the Equal Credit Opportunity Act, and would therefore be illegal. 

Citi Reference number XXXX Application ID XXXX Citi Premier Card Applied on XX/XX/XXXX 2020
Product: Debt collection

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

i recently submitted a request to have fraudulent accounts removed and blocked from my fico credit report with experian and they emailed me back saying they believe my request to be an error and to verify that it was indeed me submitting the request and to resubmit my documents because they were not legible. attached is my initial complaint with my updated " legible '' documents they asked me for. this is indeed me XXXX XXXX. 

here is the information they requested once again : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) XXXX XXXX XXXX Social Security number XXXX Date of birth XX/XX/XXXX Complete addresses for the past XXXX years XXXX Lake XXXX XXXX XXXX Ga XXXX Initial complaint below : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a medical account opened at XXXX XXXX Innovations on XX/XX/XXXX under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a account balance of {$14000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

LVNV FUNDING LLC has an open balance of {$700.00} against me from XXXX. I do not what this is, and they will not tell me who the original amount was with.
Product: Vehicle loan or lease

In late XXXX, my wife and I purchased a new XXXX XXXX at the XXXX Honda in XXXX XXXX. The dealdership offered a loan for the amount due, but we then went to XXXX to make a payoff loan. 

Here 's the timeline : On or about XX/XX/XXXX, the Honda Finance folks sent us our first invoice. At that time, I contacted my bank, XXXX, to get a better deal with a long payment option. 

On XX/XX/XXXX, XXXX sent a payoff to American Honda of XXXX ( estimate ). At that point, I knew we wouldn't make the XXXX XXXX payment deadline ( see attached file ), but that Honda would have worked with XXXX to get the payoff. 

I just spoke to XXXX XXXX  and their loan specialist who said that if Honda got the payoff they would accept the check. If the amount was wrong, they would have contacted XXXX and not accept payment. According to their reps today ( XXXX ), this did not occur. 

I have tried to reach a human representative at XXXX, but am unable to do so. The number listed is XXXX. The XXXX rep also said an alternative number might be XXXX. My wife and I have called both numbers only to get an automated number. 

I have also tried to contact the finance department at Honda Finance in person. Their senior manager said this was an issue with Honda Finance and that he couldn't give me a number to call them. 

My wife and I have purchased Hondas at this dealership six time, but it's ironic that when a customer comes to them with a problem that they can not provide a number with a human contact. 

XXXX said they made a payoff of {$63000.00} on XXXX XXXX. 

Furthermore, they were given a wrong address on their first attempt to refinance this. 

According to our research, Honda said the payment owed is XXXX {$430.00}. 

If that is the case, I would be happy to make this payment to them. 

At the same time, once this payment has been made, I would ask that they send the title to XXXX for their insurance purposes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation of Accounts that should be removed : Bankruptcy case # XXXX Bankruptcy case # XXXX To whom it may concern, Since you have not given me the names of persons with their addresses that you contacted for verification of the information, so that could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy XXXX  XXXX requested by the Fair Credit Reporting Act ( FCRA ) According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2. Comply with the rein investigation requirements as required by 15U.S.C. 1681 ; 3. Should not provide consumer credit file to companies without determining that there companies has a permissible purpose to obtain consumer credit files pursuant to 15 U.S.C. 168b ; 4. Provide consumer credit files pursuant to 15 U.S.C 1681g ; 5. Et seq Through this letter, I am re-submitting my request to make the reinvestigation and verification process faster. I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer disclosure report. I would also like to know about the procedure adopted to verify this claim, business name address, and phone numbers of those who have been contacted for the reinvestigation process, this is my legal right, according to the FCRA. Thus, I request you to comply with the laws and furnish me with the information I have asked for within a period of thirty ( 30 ) days.

For your convenience, I am sending you a list of the items you need to reinvestigate. These listed accounts are neither my debts nor my authorized inquires. Please correct this by the removal of these items from my credit report. 
Upon Completion of you reinvestigation, please send a detail description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the contact information of the agent conducting the said reinvestigation in case future communications is necessary. 
I know that your company will need some sort of verification to prove my identity. My information shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in this matter.

Sincerely XXXX XXXX XXXX CC : FCRA
Product: Credit card

Hi, I have a Capital One credit card and I tried to pay through the website and when I entered the bank account from which Capital One can withdraw money from my bank account. I accidentally entered my bank account and also my check number, for example I entered the account number XXXX and also added XXXX which is my check number and that's why XXXX XXXX did not have the option to withdraw the money. And they wrote that I have a return payment And I called them several times and they understood the problem and they didn't want to help me open my account back I have a few complaints about this 1 Capital One did a great deal of damage to my business because I couldn't run the business as usual, buy things and sell and with that pay Capital One 2 They did me a great deal of damage that they put on the credit report that I have a credit card that was closed to me 3 Capital One did me harm, they also closed the private credit card I had at Capital One 4 Capital One When they closed my card I had points and cash back percentages for every dollar I use the card and they did not credit the money to my account 5 Capital One closed my account and the credit card was for 12 months without interest and because they closed my card I couldn't do well with the business which is why I want them to open my card back and give me another 24 months to pay the debt without interest. 

I have asked them several times to reopen my account and there is no answer Therefore, I appeal to you, Consumer Financial Protection Bureau, to help me. The injustice that Capital One did to me is a great injustice and can not be forgiven. And I really hope to God That you help me open the voucher I had back and all the winnings I deserve I have no words to bless you Best regards XXXX
Product: Debt collection

B of A states in writing that they verified funds were transferred to an account under my name ( XXXX XXXX XXXX to XXXX however, the statement from ( B of A ) XX/XX/XXXX reflects that there was a charge for XXXX for XXXX. I have reached out to the only citi credit and there have been no record of balance transfers received for the month of XXXX, XXXX or XX/XX/XXXX. I have reached out to XXXX and they have no account under my name or social security. I have filed a police report that is working on a warrant for XXXX which again is the description for the XXXX balance transfer appearing on my B of A credit card statement on XX/XX/XXXX NOT XXXX  as B of A claims on a written response I obtained from a complaint filed. I am the victim of fraud and have reached out to the B of A fraud department over and over always reaching the same conclusion since XXXX XXXX XX/XX/XXXX. I will not pay money I dont owe and I will continue to dispute this information until someone does their job.
Product: Credit card or prepaid card

Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Synchrony Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Synchrony Bank has continued ( even through XXXX using XXXX and previous credit reports prior to removal of negative errors on my credit reports ) to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 
I even paid off a Synchrony credit card down to a XXXX  balance in XXXX and within 30 days ( XX/XX/XXXX ) Synchrony Bank closed that account using the XXXX credit report reflecting incorrect data. 
This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Synchrony Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?
Product: Debt collection

I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.
Product: Checking or savings account

Cash app took numerous amounts of unauthorized funds from my account that then came out of my credit union. There was no information to get ahold of cash app and the last time they never responded they closed my account just says negative balance. I received a email that my information had been breached from someone but I thought it was a scam. My credit union is aware of the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed calls to XXXX, Transunion and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
Product: Credit card or prepaid card

XX/XX/2022, {$790.00} I disputed a charge that was originally cancelled and got charged again for {$790.00} since then I filed a dispute with my bank as well as sent out a message to the seller who since blocked me on all of her platform. Paypal sided with the seller when its clearly i got scammed by the seller. This purchase was a educational group where you pay a subscription to enroll and I am not in the group which i paid for.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred with lead to them closing my checking account. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged evidence after making and atm deposit there machine took my money {$800.00}. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. My checking account is now closed and Im not allowed to make a new checking account I only have a savings account with them now. I believe these practices are unfair and request for me to be able to open a new checking account.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 XXXXXXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 - I went to XXXX to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not Equfax or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, TRANSUNION is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.
Product: Credit reporting or other personal consumer reports

On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from XXXX XXXX  and she asked for social I declined and she was not able to identify me by name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX
Product: Debt collection

I talk to low office XXXX  block paid in full need to update to send all three the credit bureau