23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/XXXX, I discovered that Navy Federal had auto loan rates ranging as low as 4.74 - 5.74 % for new and used vehicles for up to 60 months. There are 3 categories, new vehicle, late model used vehicle, and used vehicle. I submitted an online auto application, however, instead of there being 3 categories, there were only 2, new and used, so I chose used for 60 months with a trade in. I received a message at the end of my inputting my information that I needed to call in to have my application reviewed. I did just that and spoke with a rather uncooperative agent. She informed me that Navy Federal can offer me an interest rate of 5.44 % I asked her why so high, when my credit score range near XXXX, surely, I should qualify for the lower rate. She stated that is what is offered for a XXXX vehicle. I said to her, the website state late model used vehicle, but that wasn't an option during the application. I told her I wasn't happy with that and I would like a further review of my application with someone else. Later, I told her if they are unwilling to review my account then cancel my application because it's is false advertisement. XXXX weeks later, I received a letter in the mail of credit denial due to level of delinquency on accounts ( which my XXXX report has XXXX adverse account ), too many accounts with balances ( my accounts have less than 35 % utilization and low balances, too many inquiries, and length of time revolving accounts ( I have XXXX revolving account XXXX XXXX that is less than a year old ). I then began emailing XXXX XXXX and XXXX XXXX of my less than favorable experience. On XX/XX/XXXX, I spoke with XXXXXXXX XXXX XXXXXXXX assistant whom called me to offer me a rate of 6.9 % for a XXXX vehicle and after asking what factors determined that, she informed she could not disclose. I feel as though Navy Federal has discriminated against me with false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with XXXX and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XX/XX/XXXX
Product: Debt collection

Upon checking my latest credit report, I discovered multiple accounts that I suspect were added fraudulently. Please take action to block and delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate account in question is as follows : XXXX. [ Account : XXXX XXXX XXXX ] XXXX. [ Account Number : XXXX ] XXXX. [ Account shows charged off. written off. past due as of XX/XX/2025. How is that accurate and still reporting as accurate. 
I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, Experian 's responses, and supporting evidence, to this complaint for your review. 
Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some inquiries that I did not authorize.
Product: Mortgage

the company in question ( FLAGSTAR BANK ) is not handling my application for COVID-19 related hardship properly! they explained that im essentially / technically in debt collections during my three month temporary forbearance request and is asking me over & over to substantiate my COVID-19 hardship claim. my wife recently received a letter from her local school district job, outlining that reduced enrollment from COVID-19 related hangover ( from families whove moved out of CA or are now homeschooling ) is creating budget gaps. these gaps are to be lessened by workforce reductions, this is a traumatizing beyond our control event directly impacting personal finances! FLAGSTAR BANK is treating me like a criminal here with zero compassion for our financial situation, as i explained this is the second time my family has been through this. they will not elaborate on how the loan mitigation application, loan modification program works and whether or not its a favorable option ( given the current mortgage rate environment ). to plan ahead, i need to know quantifiably speaking how the math works on all the available remedy options post forbearance period ending.
Product: Debt collection

World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, section 602 ( a ), it is essential that consumer reporting agencies manage their responsibilities with fairness and respect for the privacy of individuals. As a consumer, I have the right to ensure my personal information is protected. This is further supported by 15 U.S.C. 6801, which mandates financial institutions to safeguard the privacy and confidentiality of their customers ' nonpublic personal information.

XXXX, as consumer reporting agencies, and [ Furnisher of Information to Credit Agencies ], as a financial institution, are subject to these regulations. 15 U.S.C. 1681, section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished with the consumer 's written instructions, which I have not provided. Consequently, any prior consent, whether implied or explicit, is hereby revoked.

Furthermore, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to opt-out of such disclosures. I was never informed of my right to opt-out by [ Furnisher of Information to Credit Agencies ] . Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a report if it is older than seven years, except for criminal convictions. The inclusion of such information without my permission violates this statute. 

Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no entity should furnish information to a consumer reporting agency if they know or have reasonable grounds to believe it is inaccurate. It appears that XXXX are not adhering to the requirement to maintain reasonable procedures to prevent such violations, as stipulated in 15 U.S.C. 1681e. 

I am also exercising my right to opt-out of the reporting services of XXXX as per 12 CFR 1016.7, which allows consumers to opt-out at any time.
Product: Vehicle loan or lease

The company called my phone XX/XX/2023 before the required time by law to call customers. The company called me at XXXX XXXX. The company called me again the same day around XXXX. Ive spoken to management about the situation and they wanted me to submit proof because they did not have any records of an agent that called. I submitted the proof online and called the company XX/XX/2023 around XXXX am and asked to speak with a manager about the situation. Management will not take my calls so I am now filing a complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I sent a letter to XXXX XXXX. Requesting that they VALIDATE not Verify a debt that they are attempting to collect from me. I specifically asked for a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been VALIDATED by me. They provided me with a billing statement which does not prove that I am obligated to pay them anything. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no known relationship with XXXX XXXX. I am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
Product: Debt collection

Tried to contact this company several times to let them know this debt is not mine and they did not remove it from my account
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I logged into my upgrade account to make a change to my bank account for my ACH payment. I was closing out another account and needed to switch it. I received a confirmation email from the company that my ACH had been cancelled and a new one was set up. However, the payment was still taken out of my old bank account and the new one on XX/XX/XXXX so I was charged twice for a payment even though I had confirmation my original ACH had been cancelled. I called in to report the dispute to Upgrade on XX/XX/XXXX. They took the information over the phone and the rep even said I can see where the payment was taken out twice. She told me it would be 7-10 business days to get my money back. After hearing nothing back I called them today and was informed my dispute had been denied on XX/XX/XXXX - the same day I called in. I was never notified of the denial. I have now incurred overdraft charges on my bank account I am trying to close as well. They told me I was denied because one payment was an ACH and the other came in as a one time payment. I never made a one time payment. I simply went in and updated my Bank Account information for the ACH. I never requested a separate one time pay - I just wanted the payment to come out of my new Bank account. I am providing two confirmation emails I received. One showing autopay was disabled / this was for my old bank account. The other is for enabling autopay on my new account.
Product: Debt collection

My name is XXXX XXXX and Im an reaching out with a few questions regarding the portfolio recovery account that originated from Amazon Synchrony. I did open multiple disputes over the years as I found out the original account was created by my mother, possibly, a few years back. I dont even speak to my Mother. For the one 3 years Shes lived in XXXX  and I lived in XXXX XXXX. She lost custody of me and my siblings some XXXX odd years ago. This is a definite case of identity theft or fraud or both. Please do whatever you can to get this resolved as soon as possible. This account has been plaguing me for years, with me not being sure where it was from. Ive also been paying it when it isnt even my debt to pay just to try and mend my credit. Will I be able to get the money I paid back as well? Since Forsure I know that this was a fraud case. Thank you for all your help looking into this. Im looking forward to your response.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX XXXX - Account # : XXXX - Balance : {$XXXX} Company Name : XXXX/XXXX  XXXX Account XXXX : XXXX - Balance : {$XXXX} Company Name : XXXX/XXXX  - Account # : XXXX XXXX Balance : {$XXXX} Company Name : XXXX  - Account # : XXXX - Balance : {$XXXX} Company Name : XXXX/XXXX  - Account # : XXXX - Balance : {$XXXX} Company Name : XXXX/XXXX  - Account # : XXXX - Balance : {$XXXX} XXXX Name : XXXX/XXXX  - Account # : XXXX - Balance : {$XXXX} Company Name : XXXX/XXXX  - Account # : XXXX - Balance : {$XXXX} Company Name : XXXX/XXXX  - Account # : XXXX - Balance : {$XXXX}
Product: Credit card

I was charged {$20.00} copay for a XXXX XXXX XXXX visit on XX/XX/2024. However, the doctor did not provide any service to me. I have filed complaint with XXXX but it won't issue me a refund. I contacted Bank of America and filed a dispute. The bank asked me for all sort of documents such as invoice/receipt which I do not have. Instead of requesting the documents with XXXX, they denied my claim outright. They didn't even attempt to contact the merchant on my behalf to resolve the claim. 

I made complaint to Bank of America executive team and social media XXXX website but no one is willing to help. I have been a loyal customer with this bank for over 30 years. I do not deserve to be unfairly treated. This credit card company does not provide any consumer protection to the cardholder.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Charge-Off Under the Fair Credit Reporting Act and Section 605B Dear Experian/Transunion/Equifax, I am writing to formally request the removal of an inaccurate charge-off from my credit report. This charge-off, reported by XXXXXXXX XXXX, is either inaccurate or fraudulent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S. Code 1681c-2 ), to have this information blocked or removed. Specifically, the reporting appears to violate provisions under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), 1666b, and 1637 ( b ). As a result, the information reported to the credit bureau is invalid, and there is no legitimate basis for it to remain on my credit report. 

The specific details of the disputed account are as follows : Creditor/Account Name : XXXXXXXX XXXX Account Number : XXXX Date of Reported Charge-Off : XX/XX/XXXX TO XX/XX/XXXX This account was added to my credit report without proper verification or as a result of identity theft. Under Section 605B of the FCRA, consumers have the right to request the blocking of any fraudulent information from their credit report. As required by Section 605B, I request that you block or remove the charge-off account from my credit report within four ( 4 ) business days of receiving this letter and the supporting documentation. If this account can not be verified as accurate and legitimate, it must be deleted from my file in accordance with 15 U.S. Code 1681i ( Dispute Resolution ) and other relevant FCRA provisions. 

Failure to comply with this request may result in further legal action to enforce my rights under the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the corrections have been made. 
If you need any additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX is demanding {$200.00} for my policy balance after canceling them. They used the date of XX/XX/23 as the date of cancelation and the date from which they calculated my policy balance. 
However, I notified them of my cancelation prior to that and have proof that my new policy began on XX/XX/23. I have sent them proof of this twice and have yet to receive an adjusted balance amount. I have continually asked XXXX to recalculate my balance based on the actual date of cancellation, XX/XX/23. 
I am more than happy to pay the proper balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to show anything positive on my credit report. All of these companies have stated they report to all 3 agencies. 1 a month. This has been going on for a few years and they refuse to fix it. It has stopped me from getting finaced because of this.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 XXXX 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 inquiries I am writing to dispute the following information that appears on my Experian report as a Inquiry from XXXX XXXX  on XX/XX/XXXX, Inquiry from XXXX  XXXX on XX/XX/XXXX, Inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I satisfied my account with XXXX XXXX XXXX in full in XXXX of XXXX. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted XXXX XXXX XXXX of this issue and received no resolution. So I have disputed the inaccurate information with all XXXX major bureaus. Most recently TransUnion has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached XXXX XXXX XXXX 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}