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

After reviewing my credit report I discovered accounts that I did not recognize or applied for upon further investigation I realized that my personal information was exposed in several data breaches as well I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit per section 15 USC 1681 C-2 any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days These fraudulent accounts are not only damaging my credit but also causing me significant stress XXXX  I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being
Product: Credit reporting or other personal consumer reports

I initially filed dispute [ XX/XX/XXXX ] I asked the company to thoroughly investigate the matter. An eviction was showing up on my rental history and I have not lived at that address ever in life or rented from that company. They FAILED to properly investigate the matter. There is an eviction showing up on my credit report that is NOT mine. I disputed this electronically ( XX/XX/XXXX ), I called and disputed, and Ive even mailed proof of identity AND proof of address ( XX/XX/XXXX ) at the time. I can not live in two places at a time.. I had an eviction on my record since XXXX. In XXXX XXXX those take 7 years to be lifted therefore I wouldnt be able to rent.. I asked them to verify debt. I sent TRANSUNION proof of MY identity and all they all did was reach out to the courthouse to verify an eviction record exists. Of course it exists!!!!! THATS WHY IM REACHING OUT!!!!!! TRANSUNION didnt reach out to the company to verify If theyd ever seen ME in person, what I look like, were the keys retrieved in person, the information used to rent such as name, DOB , SSN, Job info. TRANSUNION is in direct violation of FCRA Section 605B and I see why they are being sued currently for this exact reason. I plan on doing the same If this is not investigated and updated. I filed a repeat dispute [ XX/XX/XXXX ] online. The employee I've worked with is XXXX and he hasn't been ANY help. He has failed to properly investigate. I am a victim of identity theft and it sucks I have to fight with companies like TRANSUNION after sending proof.
Product: Credit reporting or other personal consumer reports

This account was settled XXXX XXXXit is still reporting loss / write off on my report. This needs to be updated to settled as is.
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 violate 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Klarna via phone and chat to resolve a billing dispute. There was an overcharge in the amount of {$290.00} + tax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). Klarna suggested to contact XXXX to resolve any billing issues. I contacted XXXX, whom informed me they didn't have any record of a purchase from XXXX XXXX on or around XX/XX/2022. I than reported the information back to Klarna. Klarna then suggested I contact the merchant ; although, I noticed XXXX had processed a partial returned totaling {$160.00} on order reference number XXXX. I spoke with XXXX XXXX ( merchant ) on Sunday, XX/XX/2022 at XXXX XXXX. We discussed inaccurate billing amount submitted to Klarna 's one time XXXX card ending in XXXX. XXXX XXXX informed me a charge of {$470.00} was authorized for order number : XXXX on XX/XX/2022 and only that amount was submitted. XXXX XXXX provided the invoice receipt, in which, doesn't include an item Klarna 's order reference XXXX have listed. Merchant advice to contact Klarna again to resolve discrepancies in billing one their side. Klarna have refused to make modification to reflect the order total in the amount of {$470.00}. I was scheduled to make installment payments to Klarna. I made one payment totaling {$190.00} ; yet, I discontinued to make any farther payments until this matter is resolved. I should have a remaining balance of {$280.00} but Klarna reflects a balance of {$420.00}.
Product: Debt collection

IC systems responded to my complaint with a form that show they know my name and address. This is not a validation, it seems as if someone used my mane and address and obtained a phone and this company is requiring me to pay for it. I have not done any business with this company nor XXXX  and they should not be able to submit information thats false to the credit bureaus.
Product: Vehicle loan or lease

Dear CFPB, I am writing to file a formal complaint against Navy Federal Credit Union regarding the mishandling of my auto loan application. 
On XX/XX/XXXX, I applied for an auto loan with Navy Federal in the amount of {$14000.00}, with the intention of trading in my previous vehicle which was being financed at Navy Federal. However, I subsequently sold my vehicle to XXXX and informed Navy Federal of this change.

Despite this, Navy Federal processed my new loan with a rolled-over balance of {$3800.00} from my previous loan, resulting in a total loan amount of {$14000.00}. This amount includes a balance that should no longer exist and is in excess of the original loan amount I applied for. My new car loan was intended to be for the amount of {$10000.00}. As you can see, the new loan amount has an increase of about 35 % which resulted in a higher minimum payment plus overall accumulated interest. 
Furthermore, I have been informed that the check issued by XXXX to pay off my previous loan may be returned, causing complications in resolving this issue.

Despite my attempts to resolve this matter with Navy Federal, I have not received a satisfactory resolution.

As a result of these actions, I am now facing the possibility of paying more in interest due to the increased loan amount, which I believe is both unfair and unjust.

I believe that Navy Federal 's actions constitute unfair or deceptive lending practices and a breach of contract. I respectully request that the CFPB investigate this matter and take appropriate action. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I communicated with the company of issues of making payment of mortgage also placed the mortgage under forbearance to stop and unauthorized reporting on my credit. 
I also paid my mortgage up to date once paid i became aware of late payments being applied I requested removal of these inconveniences but to no avail.
Product: Credit reporting or other personal consumer reports

the list of accounts below has violated my FEDERALLY Protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX I'm looking at my EQUIFAX credit report right now XXXX, and I Notice ALOT of thing are incomplete and NOT ACCURATE AT ALL. According to the FAIR CREDIT REPORTING ACT ( FCRA ) Whenever a Consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. ALSO ACCORDING to the IRS Canceled Debt ( CHARGE OFF ) is gross or ordinary INCOME. INCOME DOES NOT GET REPORTED ON YOU CONSUMER REPORT. ACCORDING TO 15 USC 1681 ( e ) ( b ), And ACCORDING To 15 USC 1681 ( 5 ) Treatment of INACCURATE or UNVERIFIABLE information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or MODIFY THAT ITEM of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been MODIFIED OR DELETED from the file of the consumer, and ACCORDING To 15 USC 1681 S-2 They are suppose to 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, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX. 
I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Discover Financial Service recently approved me for a Discover account. Upon approval immediately my account was sent to Charge Verification Department requirements are three months of Bank Statements. I have since sent Discover one of my bank statements ( I hold multiple accounts ) I have faxed them four times and uploaded them once. Each time I call and check to see if they have received the documents they advise me that once they do an email will be sent. It has been over a week and not one person is willing to help.
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXXTOYOTA XXXX Balance : {$2000.00} TOYOTA MTR  XXXX Balance : {$34000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Debt collection

I received a letter from XXXX XXXX XXXX , XXXX claiming that they are collecting on behalf of Navient Education Credit. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to Navient, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with Navient. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by XXXX XXXX XXXX , XXXX. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since Navient has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with Navient : XXXX for {$4000.00} and XXXX {$2600.00} are nowhere near the doubled amount this company and Navient are trying to collect wrongfully from me.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

I lived at XXXX XXXX XXXX XXXX Apartment complex. During the move out procedure, my roommates and I paid them for the move-out package, which would be completed after move out, and which contained a professional carpet cleaning. 

After moving out, we were told the carpet had been replaced as it was dirty and we would need to pay the replacement cost. We were told this after the fact it all happened. We asked if the carpet had been professionally cleaned, as we had paid for that service, and they informed us it had not been cleaned. We asked why we had not been notified and they could not provide an answer. They still demanded we pay them that amount of the carpet. We refused as they had not completed the service they had agreed to, and for which we paid. 

After a month, the company that owns XXXX ( XXXX  ) sent the debt to collections. At that time, we requested that the debt collector ( XXXX XXXX   ) verify the debt - that XXXX had cleaned the carpet and shown the carpet displayed dirtiness beyond normal wear and tear for the duration of the lease which would require it to be replaced, and for us to owe money - per North Carolina regulations. 

XXXX XXXX did not fully respond to debt verification before contacting my and one of my roommates credit agencies. At this time, we have not yet received a complete debt verification answer from XXXX XXXX, now ~6 months after the initial request.
Product: Credit reporting or other personal consumer reports

A " XXXX '' account opened by " XXXX XXXX XXXX  '' on XX/XX/XXXX with total fraud charges of {$3800.00}. PLEASE BE AWARE : Date Discovered XX/XX/XXXX and Date fraud began XX/XX/XXXX have been switched on my identity theft report.
Product: Credit card

I 'm being charged on a credit card account used without my knowledge after a divorce. The charges are due to identity theft. 
Already reported this account as fraudulent. The bank keeps sending me letters with overdraft charges from 5 years ago.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove this fraudulent account from my credit report is hurting my ability to purchase a home for my family. Thank you.
Product: Debt collection

I subscribe to an credit monitoring service. I was informed that a new acct was opened by Credence Resource Management for {$970.00} for an unpaid XXXX XXXX XXXX XXXX acct for service from XX/XX/XXXX to XX/XX/XXXX. I never opened this account nor did I authorize use of my info to open this acct. I never lived in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was " paid '' {$3200.00} by XXXX XXXX for used camera equipment ( Trade-In Number : XXXX, Payment Method : Direct Deposit, Account Info : XXXX, Amount Paid : {$3200.00} ) This amount was deposited with their " transfer '' bank - XXXX ( XXXX XXXX XXXXXXXX ). This bank was to create a transfer of these funds to my bank, USAA ( XXXX XXXX XXXXusaaXXXX XXXX  ). 
This transfer " occurred '' XXXX XXXX, 2024. However, the amount " Sent '' was never deposited into my account at USAA. USAA disputes any problem/error on their part -- as does XXXX. Since then the XXXX bank has sent an " LOI '' letter to USAA, but no-one, at either bank, can provide any information regarding its sending, receipt, of action taken. 
Everything is " unknown '', and awaiting response from USAA. 
I have contacted XXXX XXXX at XXXX regarding this problem ( XXXX ), who is verbally supportive -- but claims there is no way available for direct contact between the banks to resolve this problem. 
I consider this absurd ... and very convenient for institutions which earn interest on " suspended '' funds. 
Please help???
Product: Vehicle loan or lease

On XX/XX/2019 at XXXX XXXX PST, I signed a contract with Honda Financial using the dealership XXXX XXXX, located at XXXX XXXX XXXX, XXXX CA XXXX. I obtained the following loan and the note was executed for the following conditions : Amount financed {$36000.00} ; APR 3.90 % ; Finance Charge {$4500.00} ; Total Payments {$41000.00} ; Payment Amount XXXX. Days after the contract was executed and the transaction was signed and completed, the Honda Dealership contacted me to change the terms on my loan. I explained the terms were not favorable to what we agreed and executed on. Honda Financial through the dealership stated that they would call my note and obtain my car through repossession unless I agreed to their new conditions. In order for me to maintain my job and pay my bills, I needed transport to work and agreed reluctantly to finance the car through their higher interest rate, with the same term. On XX/XX/2019 I signed, under duress of the threat of losing my new vehicle, a new loan agreement with the following conditions was executed : Amount Financed : {$35000.00} ; APR : 6.90 % ; Finance Charge {$8000.00} ; Total Payments : {$43000.00}. Although the loan amount was lowered, the total payments back due to the higher interest exceeded the original agreement by {$2000.00}. With the price adjustment and the higher rate, I ended up paying an additional {$670.00} with this agreement. I also experienced financial duress under the change that I was forced into. My payment amount increased from {$600.00} to {$570.00}, thus impacting my monthly financial obligations. In addition, Honda Financial 's actions caused my overall DTI to increase, potentially prohibiting additional lending actions from other lenders. The actions that Honda Financial Services and XXXX XXXX present a pattern of consumer harm and lack of compliance with regulatory standards. Honda financial and XXXX XXXX preyed on a consumer by altering loan terms and threatening my livelihood. I have supporting documentation to evidence this ( executed loan notes ).