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. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 1681s-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.

15 U.S.C. 1681B ( 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: Mortgage

Nationstar mortgage aka Mr. Cooper was my mortgage loan servicer until they sold my Mortgage and transferred servicing to XXXX XXXX XXXX XXXX in XXXX 2018. 

Nation star has previously removed this 30 day late from one of the three bureaus as was requested over a year ago but for some unknown reason they are being obstinant about removing this very same 30 day late from the remaining XXXX or XXXX XXXX bureau that still shows it as a derogatory 30 day late. 

this payment was never 30 days late it was paid to nation star during the time of the transfer and they did not log it properly and I was told they did not log it properly and forward it to the new lender servicer per protocol I was furthermore told that they could not legally report any late payments to any bureau as the consumer By law when a mortgage loan is being transferred for 60 days there can be no late charges or late reported because of the confusion that often occurs with the transfer and sale. 

nationstar, on a phone call sometime in XX/XX/2018 confirmed receipt of payment and said not to worry, they could not legally report lates to the bureaus - she said consumers are protected by law against that happening during time of a mortgage loan transfer for 60 days before and even 60 days after transfer, the new lender could not report any lates either. 

i have asked XXXX and/or XXXX to investigate the incorrect reporting but nationstar without properly investigating the Details just sends boilerplate response with no explanation and not correcting their error - remove the 30 day late reported in error. 

Nationstar is not properly investigating this sale and transfer of my mortgage during fall of XXXX because if they had they would have already deleted the 30 day late that is being reported erroneously and i would not be forced to ask the CFPB to step in at this point to get them to fix their error once and for all.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NET CREDIT continues to report my account late as 30 days ( XXXX ) Account was pain in full in XX/XX/2020 account was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with Barclays Bank. I was in high school in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( Equifax, XXXX, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4  times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.
Product: Credit reporting or other personal consumer reports

I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report.

These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization.

I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' ( Furnisher of information to credit agencies ) The financial institutions and Consumer Reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from TransUnion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.
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 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

These accounts are paid in full and please reflect paid in full {$0.00} Balance Dept of Ed/XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I pulled my own credit via XXXX XXXX XXXX with TransUnion. TransUnion has recorded this inquiry as a hard pull vs a soft inquiry. This mistake has negatively impacted my score.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX delivered bad food and was refusing to contact me back and so I contacted my card company cash app to step in. They pulled the money from XXXX XXXX XXXX and the next day XXXX XXXX  refunded me a partial amount XXXX and then I wrote my cash app back and told them to cancel and refund my money to XXXXXXXX XXXX. They told me to wait 45 days from my original complaint. So I did and they told me on the XXXX to wait 3 business days. Today is the 3rd day and they refuse to release my XXXXXXXX XXXX to pay off the money they refunded and then denied me to keep cause XXXXXXXX XXXX has returned a refund for their bad service. I have chat proof and transaction proof cash app is refusing now to release the money on the given time frame of the refund. And now is fraudulently holding info on my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX US BKPT CT XXXX XXXX  Type : XXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date XXXX : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX.S. Bankruptcy Court Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX Asset Amount : Date XXXX XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Product: Credit reporting or other personal consumer reports

Equifax refuses to unfreeze my credit. 

I have tried to unfreeze my credit online, but the website says I have to call a number. I call the number and they say I have to do it online. Or they say I don't have an account. Or they say " it's done '' except when I log in it's still frozen. Their customer service is useless in resolving this issue. I have been asked to verify my identity with driver 's license and photo, then when it still didn't work the customer service rep lied to me about their 'system is down ' to get rid of me.
Product: Credit card

on XX/XX/XXXX, I received an email from Netspend to my personal email account that my card was in an overdraft position and that I needed to resolve it. I never opened a Netspend account. I was able to contact Netspend customer service and they confirmed that a Netspend card was open under my social security number. I requested information on the fraudulent account. They would not provide info over the phone and indicated that I needed to provide them with a written request, an FTC identity theft affidavit, an ID theft police and a copy of an ID. I provided that information on XX/XX/XXXX in writing to XXXX as I was instructed to do by Netspend customer service. The response was that the account was closed and to contact customer service on the number on the back of the card I do not have. I am requesting that Netspend provide all information related to the fraudulent account so I can provide that to law enforcement and written confirmation from Netspend that I will not be liable for any amounts on the fraudulent card.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having suggest funds when my transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a concerning discrepancy in the reporting of my credit history by XXXX XXXX XXXX XXXX ( XXXX ) to Transunion, one of the major credit reporting agencies. My account number with XXXX is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that XXXX 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, XXXX is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by XXXX. 

Furthermore, in accordance with 15 U.S. Code 6802, XXXX is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by XXXX  as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau XXXX this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also request that XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX