23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FEDERAL CR UNION - XXXX, NAVY FEDERAL CR UNION - XXXX, NAVY FEDERAL CR UNION - XXXX, NAVY FEDERAL CR UNION - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I have overpaid to XXXX XXXX XXXX XXXX XXXX ( hereinafter " XXXX '' ) for benefit to their client Absolute Resolutions Corporation ( " ARC '' ) {$1000.00}. I have been repeatedly assured by representatives from XXXX and from ARC that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from XXXX through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either XXXX or ARC. I have contacted 'XXXX XXXX ' at XXXX via phone on XX/XX/2018 @ XXXX XXXX XXXX and was told that the refunds had not been sent and that the XXXX accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to XXXX from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both XXXX and ARC submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, ARC through it's representative XXXX, owes me the total overpayment amount of {$1000.00}.
Product: Credit reporting

there were XXXX previously inquires on my Transunion credit report that were removed and in checking my credit report after a couple or weeks I notice that the inquires were restored back on my credit report. I did not receive the 5 day notice which is a FCRA violation. I would like them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX; DEPTEDXXXX XXXX;
Product: Credit reporting or other personal consumer reports

I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of XXXX XXXX XXXX  reporting to my consumer report.
Product: Debt collection

ive been dealing with this issue since XXXX XXXX in this time period i started service at my current address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX the representative mistakenly put two accounts in my name when i started service for wifi. the company is billing me twice for the same service, which the wifi comes out of my rent each month that is paid directly. im now being sent debt collection notices for the second account that should not be open, i reached out to XXXX on XX/XX/year> to resolve this issue, even tho the accoiunt is showing XXXX usage with no data used they are not honoring this mistake they made on there end of the amount of {$61.00}. they now have sold my debt to trueaccord
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX filed a hard inquiry on my credit report ( unauthorized ) they did this on XX/XX/XXXX. Thing is that acct shows never missed payment and last payment paid on XX/XX/XXXX acct closed XX/XX/XXXX. I have n't applied for any credit, or anything that a company would need my credit info.I 'm not understanding this. thank you for your time.
Product: Debt collection

On XX/XX/year> Smith Rouchon and Associates provided a breakdown of debt owed. 

I have since paid bill down under {$500.00} and they are still reporting a medical debt on credit report. According to law and HIPPA they are violating my rights and don't suppose to report medical debt on credit report.
Product: Credit reporting or other personal consumer reports

I was taken to XXXX by XXXX XXXX to pay a on a defaulted personal loan. After entering into an agreement with the attorney for said company I have been making monthly payments in the amount of {$200.00} a month every month. Since entering said arrangement I have being making every payment as agreed. However, creditor is reporting payments as late payments on my credit report on original account. I have disputed this with credit reporting agencies and they have filed to obtain proof of such from creditor. This has been negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Checking or savings account

I was a member of Simple bank, which was backed by BBVA. XXXX stepped in and had BBVA shut down Simple service and forced people to migrate to BBVA. This migration happened Friday XX/XX/XXXX. The company failed to prepare adequately for this large migration of users and their systems crashed. Calls to BBVA customer service do not work as their system hangs up on me. Their online chat also fails to direct me to customer service. 

Their site now states : " If you were able to create a username and password in Online Banking or Mobile Banking, but received a system error message, please try logging in again with your new username and password before restarting enrollment. If you were not able to create a username and password and are locked out, please call customer service at XXXX. '' I fall into the second bucket of users who were not able to create a username and password due to their system issues and am locked out. Again, the phone number they provide hangs up the user once the appropriate options are selected in their menu. This leaves tens of thousands of people without a way to access or manage their funds, or opt out of optional serviced the bank defaulted us into that have associated fees.
Product: Mortgage

Called to get loan payoff information so I could sell the house, refused because the number I wanted it faxed to was an attorney 's office and I was behind on the loan. They were very hostile the entire time, refused to send information I 'm legally entitled to, then hung up on me after nearly an hour of going back and forth answering all their questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022
Product: Debt collection

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quality Recovery Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit report frozen with equifax for numerous years. I needed to temporarily lift the freeze with equifax so that a business could run my credit report. Despite having logged into my online equifax account, I was unable to lift the freeze ( either temporarily or permanently ) through the website and directed to call customer service. On two occasions, the customer service representative at equifax tried to lift the freeze and was unable to do so. Ive been told that someone will get back to me about this issue within 72 hours but have yet to hear back. Meanwhile, my application will likely be closed due to not being able to run my credit report from equifax. I honestly dont know how this company can be trusted with our personal credit information.
Product: Student loan

My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.
Product: Debt collection

I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.
Product: Credit card

A purchase was made using my Sears Mastercard on XXXX at XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX, nor did I authorize anyone to use my card there. Initially, I thought the charge was a purchase that I had made, but I later realized that it was a purchase made in XXXX at a facility that I have never heard of. 
I filed a dispute with Citibank, who has informed me that since they have no recourse to recover the funds that it is my responsibility to pay. I will be cancelling my account with Citibank and have no intention of ever doing business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Checking or savings account

I opened a guardianship account with Bank of America- who I have banked with for many years. I opened this account to assist my incapacitated brother with his affairs. I was told by the office that I could not have a debit card or checks. This is utterly ridiculous as the reason why this account was created is to help him with his bills! I will have to pay rent and other bills for him - I am told to transfer the money but his money will be mixing with my own and this is not how I wanted to handle this. I have to give an annual statement to Social Security Administration every year- this will not help me show the agency show how the money is being used. 

I also have to speak on the terrible experience I had when attempting to open this account. I had to complete a two step process to open the account. It took more than two weeks to open this account as the first approval code expired and the process started all over again. This bank is too big to have such a poor processing system when it comes to these type of accounts. It is very much old school and very outdated! 

Also, this bank keeps placing holds on my check deposits that are very small deposits. My bank history should be taken into consideration and funds release immediately! It is not like I am putting in a deposit for XXXX or more. This bank put a check hold on a government check - unreal and uncalled for!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding inaccurate and incomplete information provided by Lexis Nexis to XXXX and XXXX concerning a bankruptcy case with reference number # XXXX. The inaccuracies in my credit file are not only affecting my financial standing but are also in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 

I have previously initiated disputes directly with XXXX ( reporting from the US Bankruptcy Court ) and XXXX ( reporting from XXXX XXXX XXXX ) regarding the information in question. Unfortunately, despite my efforts, the investigation/reinvestigation has returned with Lexis Nexis confirming the accuracy of the reported information. 

Key points of my dispute are as follows : Inaccuracy of Information : The information provided by Lexis Nexis is inaccurate and incomplete, specifically concerning the bankruptcy case # XXXX. As per the FCRA, information that is not reported with 100 % accuracy must be deleted. 

Unauthorized Information Sharing : Despite my request to freeze my file with Lexis Nexis due to previous fraud issues, they continue to share information without my explicit permission. This is a clear violation of my right to privacy. 

Non-Reporting to XXXX : Notably, the disputed information is not reflected on XXXX, raising concerns about the consistency and accuracy of the information provided by Lexis Nexis. 

Lack of Legal Basis for Information : According to 15 USC 1681a ( 4 ) and 15 USC 1681i ( 7 ), the bankruptcy court does not provide information to Lexis Nexis. Therefore, there is a lack of legal basis for the information they are reporting.

Violations of Statutes : I believe Lexis Nexis may be in violation of 15 USC 1681 e ( B ), 15 USC 1681n, and 18 USC 242 due to willful noncompliance and conspiring to provide inaccurate information. 

I am seeking a thorough investigation into this matter by the Consumer Financial Protection Bureau, requesting the removal of the inaccurate information reported by Lexis Nexis to XXXX and XXXX. Additionally, any associated damages caused by their non-compliance with the FCRA should be addressed. 

Enclosed with this letter, you will find supporting documentation, including copies of my previous disputes with XXXX and XXXX, as well as correspondence related to my freeze request with Lexis Nexis. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

XXXX has consistently reported fraudulent accounts to credit report. Request removal. Under the provisions of Section 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that credit agencies are required to allow credit freezes to protect our accounts by fraud. I created freezes at XXXX, XXXX  and finally Experian. The first two had no issues but Experian makes it difficult to create a freeze. When logging in their is no mention of " freeze '' on their menu. They have a paid product called " credit lock '' that they promote. There is a brief description how that differs from a " freeze ''. However, they have no hyperlinks available to select. After scrolling through there webpages I finally connected to help through their chatline. I was told to log into a different URL in order to manage a freeze. I was finally successful in doing so even though they use an arcane form to do so. 

My complaint is Experian should make a freeze option visible and readily available and once an account is established should not put somebody through the hoops of providing all the information they already have on file. It is obvious they wish to push an alternate paid product other than " freeze '' and that should not be accetable.