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

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) CONTACTED in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Equifax credit report, I discovered several errors, including an incorrect name, addresses that do not belong to me, and an unknown credit line from XXXX XXXX XXXXXXXX. I contacted XXXX XXXX  XXXX to confirm whether I had an open credit card associated with my account, but I was informed that I did not. Consequently, I filed disputes with Equifax regarding the incorrect name, addresses, and unrecognized credit line on XX/XX/2023. Within a few days, I received confirmation that my name and incorrect addresses had been corrected. However, on XX/XX/2023, I received a decision letter regarding the unrecognized credit line stating that it could not be removed from my account. Although the letter acknowledged the other disputes and indicated that the incorrect information had been removed, it was still addressed to a different name and apartment unit. 

The situation is very concerning as it appears that my personal information may have been sent to another person. Credit matters are a sensitive subject, and such mixups can have serious consequences. On XX/XX/2023, I noticed that my credit score had dropped by XXXX points due to the unknown credit line on my report. When I contacted Equifax to remove the credit line, the customer service agent informed me that they rely on information confirmed by lenders and, therefore, could not remove it. However, I did not find any such issues on my XXXX credit report, suggesting that the lenders did not report incorrect information to Equifax only. 

The agent informed me that the unrecognized name on my report was similar to my name, and it could have been mixed up. However, this is unacceptable, and it is concerning that Equifax does not hold itself accountable for personal information mixups. The agent also stated that they had reached out to XXXX XXXX XXXX, and the latter confirmed that the unknown credit line belonged to me. I explained that if they confirmed the credit line based on information from another person with a similar name on my report, it would not be accurate since it is not me. The agent, however, repeated that there was nothing they could do except file another dispute. They did not offer an appeal option for the previous decision, and although I filed another dispute, no additional corrective action was taken. 

Given the seriousness of the situation, I request Equifax to take immediate corrective action to remove the incorrect information from my credit report, protect my personal information from being sent to other individuals, and prevent any further errors on my report.
Product: Debt collection

There is information that on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting at this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX Account number - XXXX This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information. Please remove immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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 on XX/XX/year> under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX on XXXXXXXX XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im writing to fomally complain about several unauthorized credit inquiries apperaring on my Transunion credit report. I did not initiate or authorize these inquiries, and therefore are inaccurate. The following companies are listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have XXXX Transunion to dispute these inquiries but have not received a satisfactory resolution. These unauthorized inquiries negatively affect my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
I request the CFPB 's assistance in ensuring that Transunion investigates and removes these inquiries promptly. Please let me know if further information is needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

CARMAX AUTO FINANCE has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. 

As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I, the consumer demand an updated and corrected account status on my credit from CARMAX AUTO FINANCE or complete removal of the account.

By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed.

Furthermore, as per 15 USC 6802 the law states " ( 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.

CARMAX AUTO FINANCE did not communicate with me in doing such fraudulent violations.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union regarding a series of overdraft fees I have incurred since becoming a member in 2012. Despite having sufficient funds at the time my transactions were authorized, I have repeatedly been charged overdraft fees due to delays in the posting of charges and credits to my account. 

This issue appears to align with the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which cited similar practices at Navy Federal Credit Union, where transactions were settled with insufficient balances despite funds being available at the time of authorization. 

I believe these practices are unfair and do not reflect the service I should expect as a long-standing member. I respectfully request a thorough investigation into the transactions on my account that have led to these fees, and I ask for appropriate corrective action to be taken. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX are reporting inaccurate addresses in my report that I didnt and do not live at. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX isnt my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX isnt my address and I have never lived at that address. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX isnt my XXXX XXXX XXXX lived at it. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX isnt a business and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX isnt my address and I have never lived at that address.
Product: Debt collection

In XX/XX/XXXX I canceled my XXXX XXXX  with XXXX. I returned the equipment and even received an email notice from XXXX that equipment was returned on XX/XX/XXXX. I also spoke to a representative in XX/XX/XXXX because of the circumstances of needing to cancel my service the early termination fee was waived and as long as the equipment was returned the amount owed to the account would be {$0.00}. I received bills in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they had not fixed the bill and each month I called, each time speaking with a representative and they would go back and look at the notes to XXXX out the account again. On XX/XX/XXXX I spoke to a representative that applied the appropriate fee waivers and after a couple hours on the phone I was told the balance was XXXX. I never received another bill from XXXX or any other communication regarding this account, until XX/XX/XXXX. I received a phone call and the same day a credit alert to my XXXX credit report that a collections had been place on my account from Diversified Consultants for the {$320.00} from XXXX  that had been turned over to them for collections. They have not been willing to removed this from my credit reports, XXXX   shows this balance as XXXX again after 3 days of calling and going through old notes the account was corrected. However XXXX XXXX at Diversified Consultants is not willing to remove this from my credit report. The bill was XXXX and it was XXXX fault that this account was placed for collections. I feel that diversified needs to take this collection account off my credit report since XXXX shows a XXXX balance.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed I have fraudulent activity on my credit report.
Product: Checking or savings account

I have in multiple occasions contacted the bank regarding the process of my account being closed, I had several claims open because of the negligence in my claims for fraud, Since last year I have dealt with getting my account closed and getting my money back or at least having access to my funds, I had my car stolen not because of the bank of course but due to not being able to commute to work and not being able to access my funds with the bank I was unable to pay for rent since the money on my account was for rent and was evicted. I have had to continue to wait and wait, unable to even use that money for a downpayment for a car at this point, I had to move back to California with my mom, get a new job, and still can't even get a vehicle, I called this morning XX/XX/XXXX at XXXX XXXX  and was transferred multiple times and still receiving no answer than, we don't know when you will get your money back but your account has been set up for closure, the agent also mentioned that if I wanted my funds I should just go to a branch and if they want to release the funds its up to their discretion, In XXXX of XXXX I was told the same thing and proceeded to go to a local branch and was told by the branch manager that its up to the claims department to help me with this and not the local branch, I then proceeded to continue to go from agent to agent, manager to manager and case processor to case processor and have yet until this day have no idea when I will be receiving over {$2000.00} of my money back, not only the I was also charged a monthly service fee even though my account " is being closed ''. 

I have been more than patient trying to receive my funds and have yet to receive anything or any help of the sort being so that I was old my claims have already been processed closed and final. 

The following is some information regarding the most recent times I have annotated my calls. I have also attached the amount of the fund being held from me as well as the maintenance fee I had to call about. 

Claim number US Bank : Process date : XXXX XXXX XXXX CLLED XX/XX/XXXX CALLED XX/XX/XXXX @ XXXX CALLED XX/XX/XXXX @ XXXX XXXX  unable to revive funds until all claims are processed CALLED XX/XX/XXXX claims for debit card have been approved and closed unsure of when I will have access to funds
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 XXXX XXXX XXXX. 

XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX  to my XXXX, my XXXX, my mode of living and to my XXXX! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

Navient is now in charge of the small remainder of my student loan debt. They recently changed the terms of my loans without my consent. They changed my payment of {$220.00} per month to {$50.00} per month so they can tap me dry in terms of interest payments. I could change my online payment terms online because I was lucky enough to be paying attention to these sleazy tactics, however, shockingly enough, there is no way to do that online. Online, I am simply told my online payments are set up already and there is no way to change the terms. THIS IS UNCONSCIONABLE AND SELF-SERVING. Everyone should be aware of Navient 's tactics to tap their creditors dry, particularly with regard to student loans which are supposed to have a modicum of protections involved, by ahem, the Department of Education. UNCONSCIONABLE.
Product: Mortgage

Amerihome mortgage overcharged my checking account. I have documentation reflecting multiple unautherized attempts to withdraw from my checking XXXX XXXX XXXX Call logs showing multiple calls to Amerihome Mortgage, disputing the issue on recorded lines. They acknowledged their error by phone on multiple occasions, but my account was never corrected. This has had an effect on my credit and has set me back as well as my co-signer for my home.I would like to proceed with an official complaint against Amerihome mortgage. Supporting documents account/call logs from t-mobile