23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 or other personal consumer reports

I recently reviewed a copy of my credit report and i had noticed fraudulent accounts on my report. these accounts are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ]. I request that my current address be updated accordingly. 

XXXX. Wrong Employers : My current legal employers is : XXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Checking or savings account

Lost card and someone used it to withdrawal XXXX dollars. Bank wont honor my fraud claim
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Accounts on XXXX Credit Report Dear Sir/Madam , I am writing to dispute several accounts on my XXXX credit report, as they are inaccurately listed and do not belong to me. Despite my repeated attempts to resolve this matter, I have encountered significant challenges in disputing these accounts online, particularly through Transunion. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in rectifying this issue.

The accounts in question are as follows : XXXX XXXX Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : {$3000.00} Address Associated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : Not specified Address Associated : Various addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I am a victim of identity theft, as I have never opened accounts with XXXX XXXX or XXXX XXXX. Additionally, the addresses listed in association with these accounts are unfamiliar to me, and I have never resided at any of these locations. It is evident that these accounts have been erroneously reported to my credit file, causing significant harm to my creditworthiness and financial standing.

Despite my efforts to dispute these accounts online, I have faced obstacles, particularly with Transunion, which has made the process arduous and unproductive. Therefore, I am seeking your intervention to ensure that these inaccuracies are promptly addressed and removed from my XXXX credit report. 

I kindly request that the CFPB investigate this matter thoroughly and facilitate the removal of these fraudulent accounts from my credit report. I am also open to providing any additional information or documentation to support my claim of identity theft. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card

Im paying on my XXXX  XXXX and my XXXX XXXX card but I fell behind
Product: Credit card or prepaid card

XX/XX/2021 ordered three ( 3 ) items from Amazon one of these items was for XXXX wet dog food. Amazon could not secure this item and cancelled item on XX/XX/XXXX, XXXX made payment of {$75.00} for the two other items received to SYNCHRONY BANK/AMAZON mailed on XX/XX/2021. I have sent numbers letters to SYNCHRONY and called them and they keep transferring me to XXXX as on XX/XX/2021. Since XXXX SYNCHRONY BANK keeps sending me invoices for all interest accrued, today I received another for {$52.00} this is ALL INTEREST they are charging me for an item I never received from Amazon. As of the date of this complaint I have never heard from them they just keep on piling interest fees. I have now closed my account with Amazon because they need another bank to do business with. I am a senior citizen living on Social Security and I can not give my money to an institution that has no respect for their customers. Please help me with this issue as the {$52.00} is a week of groceries for me! 
Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX through XX/XX/XXXX for when a final order was signed by a judge to stop and deceased starting XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As of XXXX/XXXX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Company information
Product: Vehicle loan or lease

Penfed Credit Union refused to accept nor post payments made by the buyer of my vehicle multiple times since XX/XX/2022. Therefore my loan remains active as Penfed continues to charge daily interest and continues to deduct the monthly payments. Penfed reps have not been helpful and refuse to remedy the situation since the loan is still active. This is predatory.
Product: Money transfer, virtual currency, or money service

Robinhood intentionally imposed barriers to transferring assets out of their accounts. They stopped a transfer of assets out of my account and provided no notice or explanation. I had to cal the receiving company for an explanation because Robinhood customer service is useless. There is no live support and they only send emails which take days and are not responsive.
Product: Checking or savings account

XX/XX/2018 my debit card was used fraudulently for a large number of purchase, approximately 29, and a dollar amount near {$5000.00}. I notified my bank when I discovered my account was overdrawn. I was never contacted by the bank as to unusual activity on my account or transactions that weren't consistent with my regular banking activity to see if I was in fact using my debit card for these transactions. When I asked why the unusual activity on my account didn't draw suspicion and the fraud department didn't contact me I was told because all charges were local. In the process of their investigation it was determined that some of the transactions were done by a family member who briefly stayed in my home and took the card without my knowledge. I was told if I filed charges with the police I would get my money back. I was given provisional credit after I complied with the banks request and filed a police report then a few days later the credit was withdrawn and the case closed. I was informed it was a personal matter and they could not give me my money back and I would have to personally try to get my money back from the individual involved. I never received any documentation from the bank concerning their investigation and what evidence they had that the individual identified had made all the purchases and why in a case of fraud I could not recover my money.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Pentagon Federal Credit Union ( PenFed Credit Union ) for the illegal repossession of my vehicle, a XXXX XXXX XXXX XXXX, VIN # XXXX. This complaint is raised due to a breach of the agreed repossession notice period, unauthorized sharing of my personal information with a third party, and the inability to access essential personal items in my vehicle. 
On XX/XX/XXXX, I received a notification from PenFed Credit Union informing me that my vehicle could be repossessed if payments were not made current within 21 days of receiving the notice, via return receipt XXXX XXXX XXXX XXXX XXXX XXXX. Contrary to this agreement, my vehicle was seized on XX/XX/XXXX, approximately 15 days after the receipt of the notice. This action is a clear breach of the agreement set forth by PenFed Credit Union. 
Additionally, the repossession was executed by an unknown third party, who conducted the seizure on my private property at approximately XXXX XXXX without my express consent. This intrusion not only compromised my safety and privacy but also caused significant distress to my family, especially my children. 
Compounding this issue, I currently have no access to personal items left in the vehicle, which are extremely important and essential to my day-to-day activities. The inability to retrieve these items has added to the inconvenience and distress caused by the repossession. 
The premature repossession of my vehicle has severely disrupted my daily life and hindered my ability to make the necessary payments. This incident has resulted in loss of wages and additional damages that I have affected my ability to take care of my family. This situation has caused undue stress and financial strain, and I believe that PenFed Credit Union 's actions are in violation of the Truth in Lending Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting or other personal consumer reports

This hard inquiry was reported without my written consent and is a result of identity theft. Please delete this item from my consumer report My current address is XXXX XXXX XXXX XXXX XXXX GA, XXXX. Please remove all other addresses immediately.
Product: Checking or savings account

I am writing to seek your urgent assistance in resolving a concerning issue I have encountered with Capital One Bank. 
As per my last statement dated XXXX, my account was shown to have a XXXX balance of XXXX XXXX However, despite the closure of the account, I have not received any form of payment or notification regarding the remaining funds. 

Despite numerous attempts to resolve this matter directly with Capital One Bank 's customer service representatives, I have encountered significant challenges. Each time I have contacted them, I have received contradictory statements regarding the status of my funds, but regrettably, no action has been taken to release the funds. 

To provide clarity, I did not receive any form of payment or notification regarding the remaining funds in my closed account. The lack of transparency and failure to release my funds has caused considerable financial distress and uncertainty. 
I kindly request your immediate intervention to investigate this matter and ensure that Capital One Bank releases the funds owed to me promptly. Your assistance in resolving this issue would be greatly appreciated. 
Thank you for your attention to this urgent matter, and I eagerly await your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Vehicle loan or lease

Carmax Auto Finance charged excessive fees for a loan that already had high interest. My car has been paid off for two years. They refuse to release my title. The robo call me from an unidentified number. I paid triple the amount my car was worth. Their fees are predatory.
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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$2100.00} no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX At XXXX XX/XX/XXXX 2012 I contacting the collections agency and there is no way to contact the original debtor. I was a victim of a property manager there who copied court ordered documents and switched the dates in order to force evictions and get judgements. The company no longer exist and it has affected my credit and any possibility of renting another property. I have been trying to get this problem resolved for sometime now. The amount is {$3400.00} and is handled through National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Debt collection

They keep calling 2/3 times a day. Leave voice mails filling up my voicemail box, XXXX XXXX I do not know this person.
Product: Mortgage

In XXXX, I filed for XXXX XXXX XXXX due to a divorce and because I wanted to save my home. I successfully met my obligations and repaid all creditors who had submitted claims. In XXXX, I had to file for yet another XXXX XXXX XXXX and again due to a divorce. Once again, I fulfilled my obligations and repaid all creditors with claims. 

In XXXX, XXXX, I applied for a loan with XXXX XXXX XXXX XXXXXXXX that was denied. The company did a title search and disclosed to me a debt that appeared in the Schedule. It was at this point that I discovered the Citibank claim. If Citibank had responded to the bankruptcy request, the debt would have been repaid. 

I consulted with my bankruptcy attorneys regarding my options before my second bankruptcy was discharged in XX/XX/XXXX and they advised me to attempt a settlement with Citibank, as there were no other viable solutions. 

I began reaching out to Citibank but faced numerous obstacles with the company, including difficulty locating my account and unclear contact points. After finalizing the XXXX bankruptcy, I formally requested to settle the debt with Citibank. Despite multiple written settlement offers, all were denied, I was informed that Citibank 's policy only allows for settlements at half the amount owed. I thought, what was the purpose of my letters if they already knew what they would accept, I was totally frustrated. Although this may be an attempt to collect a debt, this debt has met a statue of limitations. Not to mention the unnecessary back and forth communication on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from XXXX through Credit Karma shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to comply with my request to permanently remove an extended fraud alert. I have wrote to Equifax to remove the extended fraud alert on my credit report. Equifax has since re add the fraud alert back on my credit report after I had previously wrote to them to have it removed.
Product: Credit card

I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on XXXX/XXXX/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been past due on ANY account and never past due with this product EVER. The representative refused to help. I am frustrated that some banks, not all, are taking advantage of consumers by being unfair, deceptive and abusive. All this happens as well while I am refinancing my mortgage. What also bothers me is that they never even called me to indicate I was past due or sent specific e-mails indicating I was. This just seems like an opportunity for this bank meet financial goals by charging late fees and hoping the consumer wo n't follow up on it. I am at my last straw and a very frustrated consumer.
Product: Debt collection

I have taken this loan out couple years ago. Back in XXXX  I have paid them off in a settlement. I just discovered it is on my credit so I have tried to contact them they are no longer available tried to email them not able to do that. So I have contacted the number it says to contact on XXXX which is XXXX when I have spoken with them they even says it shows Ive paid them off but I would have to contact them to have it removed and there isnt a way for me to get in contact with them I have tried.
Product: Mortgage

I applied for a refi with Loan Depot I submitted all the documents they asked for was told I was approved for the refi paid them their fees and paid for the appraisal then they declined my loan with no explanation.
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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX