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

I am writing to formally dispute information on my credit report that pertains to an account with XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting an investigation and removal of this account if it can not be verified or is inaccurate. 

Specifically, I believe this information violates the provisions of the FCRA for the following reasons : Unverifiable Information : According to 1681i ( a ), the credit bureau is required to verify the accuracy of disputed information. I request that you obtain verification of this account from XXXX XXXX and provide me with documentation supporting its validity. 

Accuracy and Completeness : Under 1681e ( b ), the credit bureau must maintain maximum accuracy in the information reported. If this account can not be verified as accurate and complete, it must be promptly removed from my report. 

Timely Resolution : As per 1681i ( a ) ( 1 ), the investigation of my dispute must be completed within 30 days of receipt of this letter, unless additional time is justified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Brookwood Loans Ga., XXXX, XXXX, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the Brookwood loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to Brookwood loans be mailed to me. I am asking Brookwood loans to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and XXXX personal loans in my name in the state of Nevada. Now there is another loan. With Brookwood. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to Brookwood Loans XXXX Ga. To all XXXX credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that Brookwood loans operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.
Product: Vehicle loan or lease

I recently purchased an SUV, the asking price was almost XXXX. But after adding interest, I will be paying XXXX for a 2014 car. my credit is the the greatest, but I have been improving it. I have a car now that is almost paid for, And out of four years I have not been late, other then one time. And that due to Covid-19. I was out of work for two months. I also have two credit cards that I have never been late on. I really feel like I should have received a better interest rate. My opinion! I feel like my race may have played a role in the very high interest rate I got. The date of the transaction was XXXXloan company Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute fraudulent items that have appeared on my credit report. I have recently discovered that I have been a victim of identity theft, and I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws.As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate removal of the following fraudulent items from my credit report.

I demand the prompt action of these fraudulent items from my credit report. I expect these items to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had my information stolen when their systems were breached and now my identity has been stolen.
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}
Product: Checking or savings account

I am frustrated with Navy Federal Credit Union, the mismanagement and holds m of my checking account deposits, refunds, misinformation on deposit slips/ cashiers check and holds on my account when I receive money. It takes about 2 weeks before pending credit or hold on checking account is released making me moneyless. I tried talking to them but they lied and can not help me. Ive never experienced any credit Union or bank holding a customers money. I bank with chase bank also and I do not experience this with them. I will leave Navy federal after this complaint is filed and responded to. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Recently applied and was granted a Chase Freedom Unlimited credit card. Along with the credit card, I was anticipating receiving a risk based pricing notice or an FCRA credit score disclosure exception notice- both of which were not a part of the mailing I received. Upon review of the specific terms of my credit card, it appears, contrary to what I expected, the terms offered are not materially less favorable than the most favorable material terms available to a substantial proportion of consumers so therefore a risk based pricing notice may not be required. Nevertheless, per the FCRA, credit score disclosure exception notices are still required to be provided to customers who receive the most favorable terms if the company opts to use the credit score disclosure exception notice ( XXXX ), which requires universal transmission, over the use of a risk based pricing notice, which is only required to be provided to those who receive materially less favorable terms. Upon contacting Chase regarding this, I was advised to call them- which I did today. During this call, I was advised that the credit report pulled to approve me for the Freedom Unlimited credit card contained no FICO score. Upon this call ending, I have concluded that it is highly unlikely Chase would approve an applicant without a credit score. Additionally, in the event no credit score was contained in the credit report obtained, Chase would still be required to advise me of that if they elected to use the XXXX over the XXXX. When convenient, I would like Chase to affirmatively declare that it provides risk based pricing notices rather than credit score exception notices, otherwise please forward me a copy of my credit score disclosure exception notice. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

XX/XX/2020 3 vehicles were to be sold by my Power of Attorney ( later referring as POF ), he took the vehicles across state lines to use them personally/business without my consent or knowledge of vehicles taken across state line as they were to be sold locally. A police report was made, we tried to repossess them ourselves, he hid them 3hrs away from his home. 

During that process to retrieve them, the insurance company XXXX and XXXX. Neither paid out on the vehicles. 7 months lapsed because " POF '' refused to return them, we were in constant contact with PNC Bank, provided police reports. Each vehicle was found, an arrest was made on those tried to store them at a storage facility, but no arrest made on the POF. On the XXXX day, I changed POF, PNC Bank stated " The new power of attorney had to get verified and would take 22 business days for the verification to gain access as well as make payments on my account as we were unable to make payments during the time frame because of the verification period. 30 more days past due to that verification to verify in which pushed the account into " Closed '' status of 120 days policy at PNC Bank. my accounts were all affected by their verification period policies and also damaged my credit due to that waiting period. PNC Bank refused to re-open or restore the accounts to " OPEN Accounts '' after providing as well my POF was in constant contact with their bank during the entire time-frame to make on time payments.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report on XX/XX/2024 and noticed that some of the information is incomplete or inaccurate and according to the fair credit reporting act, 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. The accounts listed below are not complete and accurate : XXXX XXXX ( account # XXXX ) The opened date is not accurate, payment status is incorrect, High credit is not reported correctly, date last active and date of last payment is incorrect. 

XXXX ( Acct # XXXX ) Date late active is inaccurate XXXX ( Acct # XXXX ) Date opened is incorrect, date last reported is inaccurate and High credit and credit limit is not reporting accurately. 

XXXX ( Acct # XXXX ) The date opened is inaccurate, High Credit and credit limit are not correct, and date last reported, date last active and date of last payment is inaccurate XXXX  ( acct # XXXX ) The date opened is inaccurate, the date last active and date of last payment is not reporting accurately. 

XXXX XXXX XXXX ( Acct # XXXX ) The credit limit, past due, last reported date, date last active and date of last payment are all not reported accurately. 

XXXX ( Acct # XXXX ) The date opened, the high credit and credit limit are reported inaccurately. The date last reported in inaccurate. 

XXXX ( Acct # XXXX ) The date opened in inaccurate. The high credit, date last reported, date last active and date of last payment are all inaccurate. 

XXXX ( Acct # XXXX ) The date opened, high credit and credit limit are all inaccurate. The Last reported date, date last active and date of last payment is also reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX   {$180.00} XXXX/XXXX  {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}
Product: Debt collection

I have disputed credit one and capital one multiple times onXXXX  and XXXX but they are still reporting this on my credit and will not remove it
Product: Money transfer, virtual currency, or money service

I have about a dozen transactions with Gemini crypto exchange since late XXXX where I was charged double fees. When you place an order it deducts from your entered dollar amount. Then when I look on my bank account I am being charged for the dollar amount PLUS the fee they already deducted in the order. 

They have ignored my email after months of waiting and I have repeatedly read getting the Financial Protection Bureau is the best bet to get a response. Please do anything you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section 605,609,611and 625 that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. XXXX  XXXX XX/XX/XXXX. 
2.XXXX  XXXX XXXX  XX/XX/XXXX. 
3.XXXX  on XX/XX/XXXX 4. XXXX XXXX/ XXXX XX/XX/XXXX XXXX. XXXX/ XXXX  XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand English the way we do. They are taught to break the law. They also just hang phone up on you.
Product: Student loan

I have been trying to get an accurate count of my payments toward the PSLF and the TEPSLF eligibility for my DIRECT SUB CONSOLIDATION LOAN and DIRECT UNSUB CONSOLIDATION LN disbursed on XX/XX/XXXX. FedLoan servicing has changed my number of payments eligible for TEPSLF from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. They have listed 55 payments between XX/XX/XXXX and XX/XX/XXXX as ineligible due not having been received within 15 days of the due date. This is incorrect. I have been trying to get this fixed since XX/XX/XXXX but have not been able to resolve it with FedLoan servicing. Every time I call they say it's under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam of the CFPB, As of XX/XX/XXXX I have submitted multiple requests to TransUnion requesting the removal of inaccurate public records on my credit report. 

On XX/XX/XXXX, TransUnion admits to using a third party to me on their recorded line yet refused to provide me with the data furnisher information to correct and have these two public records deleted that are inaccurate.

The CSR for TransUnion clearly stated that they do not/ did not verify the information of the tax lien and bankruptcy record with any court nor the court TranUnion has listed as the data furnisher. 

Without such information and TransUnions refusal to provide such information, I am unable to correct the errors and continue to suffer. 

TransUnion is not in compliance with NCAP as it relates to these 2 public records appearing on my credit report.

TransUnion has refused to provide contact information for their third party data furnisher after requesting how the two records were verified. This is in violation of the FCRA. 

I have personally spoken to both Court Clerks for each respective erroneous public record entry and confirmed with the Clerks office they DO NOT VERIFY Public records to ANY credit bureau. My personal information, including my address and SSN are not in their records. 

Please investigate and assist in resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  by XXXXXXXX XXXX company broke some US Laws.

PLEASE GO AFTER THIS COMPANY I ALSO REPORTED THEM TO THE ATTORNEY GENERAL I HAVE MY ACCOUNT NUMBER TOO.

THEY ALSO HAVE HAD MANY CLASS ACTION LAWSUITS 1. 1st Law Harassment ; In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

2nd law : Late charges on credit report are illegal By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Because of these violations, my credit score has suffered and i have lost XXXX of points!!!!! 

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the timeshare at the same rate as someone else. These timeshares discriminate based on a persons background not necessarily their credit. Its unlawful for the timeshare to discriminate against a person for a purchase! This is unlawful discrimination!!!

4th Law : With me being the consumer, I never received any time of payment for this timeshare thats already paid for. I never received cash, check, card, or etc. This is a violation of the recission for this timeshare With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership.

THIS IS AGAINST THE LAW!

Violation of 15 USC 1679a! 

im submitting this on behalf of my fiance XXXX XXXX im also on the timeshare too