23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
Product: Credit reporting or other personal consumer reports

i want these hard inquires removed because i did not authorize these compainies to run my credit, that is fraudulent.
Product: Credit reporting

This is in reference to the account in collections reported inaccurately by XXXX XXXX in the amount of {$490.00} listed by Experian on my credit report. The account that was closed is not being reported accurately. Information like the dates are incorrect, not to mention the amount. But I had previously contested the amount with the debtor years ago stating that is not what I should 've been charged originally but it was never corrected. So at this point when I already had to wait for the seven year mark for it to fall off I do not understand why XXXX XXXX did not report the right dates or have since changed the dates so that they stay on my report ( s ) longer.
Product: Debt collection

During the dates of  XXXX / XXXX /   2014 and until  present, Navy Federal Credit Union have violated multiple debt collection laws to try and collect money from me on owed debt. Navy Federal Credit Union used multiple different deceptive practices to try and obtain money from myself, which include falsely threatening legal action and wage garnishment, contacted third parties and threatened my job and security clearance, misrepresented credit consequences of falling behind on loan and credit card payments, and illegally froze access to my accounts. All of these deceptive practices are a direct violation of  Dodd-Frank Act, and consequently Navy Federal ha s been issued a consent order for the violations I have listed above.
Product: Checking or savings account

On or about early to XXXX 2022 my husband and I went into 5/3 bank to talk about a check that was being held without clearing, the branch manager at that time XXXX XXXX talked to us and convinced us to do a business line of credit and it was in the amount of {$64000.00}. 
XXXX XXXX told us that the interest rate would be low around 6.07 % ( 3.07 % rate and 3 % prime ) and our monthly payments should not go above $ XXXX {$400.00} or around there even when we pull the full {$64000.00}, which we could afford. XXXX then mentioned that there would be a One time fee of {$170.00} for processing etc., which we were also okay with. 

There was an issue and she could not print the documents for signing right there but told us that they would be emailed and we could sign, but that everything we discussed would be the same on the documents. 

Then XXXX told us that we would have online access and a debit card for this loan, its been over a year and we are yet to receive the debit card nor have access to the credit line, even after many requests to her and even other managers ( other managers after XXXX left the Bank ). Fifth Third uses a point system for their employees that they have to meet on a monthly basis, this is what causes deceptive lending practices and fraud ( our XXXX  used to work for XXXX XXXX ) Needless to say, month after month after month the rate keeps going up, we are up to 11.07 % which is another thing, XXXX never said it was an adjustable-rate loan, she said it was a fixed rate. The one time {$170.00} fee is NOT a one time as they just took out the {$170.00} for this year, so this fee is yearly as long as we have the loan. 

We would like this fraudulent and deceptive issue to be investigated and the loan to go back to we were originally told including removing the $ XXXX  yearly fee and/or forgive loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another credit card with XXXX  XXXX opened on XX/XX/XXXX under the account number ( XXXX ), another credit card account opened at XXXX  XXXX  on XX/XX/XXXX under the account number ( XXXX ), another credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a Secured loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Secured Loan opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), another Auto Loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Installment Account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and another Credit Card with XXXX opened at XXXX XXXX under the account number ( XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many subsequent attempts to rectify the situation with Experian they continue to display inadequate and derogatory information after reporting identity theft to them and have yet to remove it. I have submitted an FTC report and will submit another one today just so they get what's going on. They are in violation of fcra laws and need to remove it immediately. The two accounts in question are XXXX and XXXX XXXX  XXXX XXXX.
Product: Credit reporting

My loan agent was not able to get a credit report from Equifax because my account was locked. I called Equifax from XX/XX/XXXX afternoon till XX/XX/XXXX morning to unlock my account. And finally got instructed to email copy of my Social Security Card and Driver License to XXXX because they do n't have my information in their system. Their auto-reply email said they would response within 2 business days but nothing happened after two business days and my load agent and my new house are still waiting for them. 

I checked my previous emails today and found I went through the same issue with Equifax 5 years ago ( XX/XX/XXXX ). They asked me to email the same information 5 years ago and then asked me to fax the documents instead of emailing. I did n't get it why I should do the same thing again since they 've already got all the information at that time.
Product: Credit card or prepaid card

( This is a summary only. ) I have a nys government benefit card account with KeyBank. The issue is that logging in always fails which requires that I call the KeyBank Support Center. The center simply " resets '' my account - which automatically signs me into the system. However, any successive attempt to sign into the KeyBank system, after the rest, just fails. And once again, I have to call the KeyBank Support Center to reset my account. This process repeats itself ad nauseam : a ) upon account reset you're signed in automatically, you do your stuff, and then log out, b ) successive sign in attempts fail, c ) call KeyBank Support Center to reset the account.
Product: Money transfer, virtual currency, or money service

I am filing a complain against to Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

I received a settlement offer letter from Exeter finance LLC XXXX. Exeter finance LLC has failed to show that they gave me a loan. On the experian credit report Exeter finance LLC charged off {$25000.00}. Written off {$27000.00}. Exeter finance LLC has failed to reimburse me the credits of account number XXXX an auto loan I never received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! I got denied a house due to information on my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i received a derogatory mark on my credit report from XXXX, XXXX and transunion regarding a late payment from a XXXX account. I then proceeded to call the bank and the credit reporting agencies but was led nowhere regarding the situation. I then mailed out a letter on XX/XX/2022 and XX/XX/2022 to both the lender and reporting agencies letting them know they were in violation of my consumer rights. They've only updated the account since then and no further action was taken place. 

15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b ( a ) ( 2 ).

( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. 

I didnt not give this company written instructions to furnish anything to my consumer report, let alone Late payments. I did not authorize or grant verbal or written permission for them to report my personal information. 

I also did not receive the option to opt out from consumer reporting. Companies are suppose to give you the option to opt out from credit reporting. I wasn't properly informed of my rights nor wasn't told about my option to opt out of credit reporting prior to the end of the 30 day period. They are suppose to tell me this before the item is reported. They are suppose to provide me with clear and conspicuous documentation that gives me a clear overview of what my rights is in terms of credit reporting. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two debt collections on my credit report for XXXX XXXX, XXXX on XXXX, Equifax and XXXX. I have disputed them multiple times with Equifax and XXXX explaining to them there is errors and I am unaware of the account. Equifax and XXXX refuse to update the information and remove them from my credit report when it has been found that the collection in fact is an error by XXXX. XXXX found the error and removed it from my credit report but Equifax and XXXX have not. It is reported that is mine but not giving me the information that proves this is my account. The statement I am being sent is not valid information on what was done to investigate it or show how it is mine account. Equifax and XXXX has failed to follow correct procedures with the law on providing me the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my recent credit report and found 20+ many unauthorized inquiries on the report!! I tried to dispute them with creditors but they just sent me to deal with the credit bureaus and the credit bureaus have refused to help me when I requested. The following inquires were not authorized by me : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I send {$100.00} to my nephew in XXXX on XX/XX/2021. A reply came back to me that the money has been sent and delivered. Three days later the money was not in the recipient 's account. I have contacted Sendwave and told them that the money has not been delivered. Later, they sent me a text that they will cancel the transaction and will return the money to me in 2 to 3 business days. Till now the money has not been returned to me, instead they will be sending text to me every 6 day. What I understand from the text is that the money will never be returned to me, but they are trying to get the money back.
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. 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. 
XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$6300.00} XXXX XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX  XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( Equifax ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( XXXX ) XXXX erroneous and do not align with my actual payment history. 
Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX