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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Money transfer, virtual currency, or money service

Date Im not sure but transaction date as I did not purchase the item in the XXXX  was purchased on my laptop by my stepsister who really wanted it and purchased it while I was not home my laptop has all my passwords on it and my sister knows all of it. I did not purchase this item and the seller is not responding to get the item sent back if I want to send it back I have to pay for it to my understanding. The product were bought unauthorized on XXXX via my XXXX, which was connected on my laptop!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

COMDATA-CREDIT DEPT Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports i noticed a credit card that wasopened in my name
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, I am making this complaint to get false credit inquiries removed from my credit report by the XXXX credit bureaus ; XXXX, Equifax, XXXX. During the month of XX/XX/XXXX, on my credit report there were inquiries recorded on my credit report from XXXX credit and others. I have contacted each company directly and the XXXX main credit bureaus with no response from either company. I need these inquiries removed from my report immediately. XXXX was able to remove these inquiries only so far. Can you please aid me with this and contact XXXX and Equifax to remove this from my account? Attached now is the letter from XXXX stating that they would remove these negative items if I provided my social security information. Can you please contact Equifax and transition to have these removed. Thank you XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual to whom the record pertain to ( PRIVACY ACT 1974 ). A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( FCRA,15 U.S.C. 1681 ( c ) ( 3 ) ) .A non-affiliate third-party that receives from a financial institution non-public person information shall not directly or through an affiliate of such receiving third-party disclose such information to any other person that is a non-affiliate, third-party of both the financial institution and such receiving third-party, unless such disclosure will be lawful, if made directly to such other person by the financial institution ( FCRA,15 U.S.C.6802 ( c ) ) .Any person who obtains a consumer report from a consumer reporting agency, under false pretense, on knowingly without a permissible purpose, shall be liable to the consumer reporting agency for actual damages, sustained by the consumer reporting agency or {$1000.00} ( FCRA,15U.S.C.1681 ( n ) ( b ) ).
Product: Credit card

I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXXXX/XX/XXXX XXXX & XXXX was never late XXXX I have had exceptional payment history witH XX/XX/XXXX XXXX and all payments were placed on XXXX. 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 severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. 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, XXXX, XX/XX/XXXXXXXX & XXXX Never XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Mortgage

Received a trial modification payment plan to begin on the XXXX of XXXX for 3 months. The payments would be XXXX, XXXX and XXXX. Once I processed the final trial payment to pay on the XXXX of XXXX I called. BofA talked with XXXX call center staff and both informed me I would just continue in XXXX XXXX period and there would be no change to my loan. Other then my loan would be extended 10 years. No change in interest rate, no change in the amount of the loan, just that my loan would have a additional 10 years. I missed 3 payments during my husband 's emergency XXXX XXXX. BofA is now placing 10 years to my loan for missing 3 months of payments. The only modification that i have received is 10 additional years to my loan. Made numerous calls to XXXX XXXX at XXXX. With no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my current auto loan from Honda as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit report.
Product: Checking or savings account

To Whom It May Concern, The lawsuit below was brought to my attention and I would like to be compensated In XX/XX/XXXX, Navy Federal Credit Union agreed to pay {$80.00} XXXX in refunds to its members and {$15.00} XXXX in penalties to the Consumer Financial Protection Bureau ( CFPB ). The settlement resolved allegations that Navy Federal charged illegal overdraft fees from XXXX to XXXX I am writing to file a formal complaint against Navy Federal due to wrongful charges applied to my account, which have caused significant financial harm and stress. These actions are a violation of consumer protection laws, and I am requesting a settlement of {$5000.00} to compensate for these damages. 

I believe Navy Federal has violated consumer protection regulations by charging fees that were either unauthorized, improper, or not adequately disclosed. These actions are in direct conflict with the principles upheld by the CFPB and potentially violate federal financial regulations. 

They shut down my old account about a year ago and now I have a new account that doesnt reflect or show any of my old charges. They have been doing fraudulent activity to my account since my car loan of XXXX that they claim I still owe for and refuses to give my title even tho the car is paid for. This is the second lawsuit that I have encountered with Navy Federal. I recieved a {$5.00} check in the mail dated XX/XX/XXXXXXXX  for XXXX XXXX  Navy Federal Credit Union which is unacceptable and disrespectful. 


Impact The wrongful charges have resulted in the following : Financial loss due to improper deductions. 
Emotional distress caused by the unexpected and unjust charges. 
Time and resources spent attempting to resolve this issue. 


Conclusion I trust that the CFPB will take appropriate action to investigate this matter and ensure that Navy Federal complies with federal regulations. I request a prompt response to my complaint and the resolution of this issue to my satisfaction. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am purchasing a used vehicle, the loan amount is supposed to be XXXX when I spoke to the loan company in XXXX of 2021 they informed me that not long after they received my original paperwork there was another set of paperwork sent to them by the dealer ship with an additional {$5000.00} attached to it. I never signed a XXXX set of paperrs and the dealer ship has not fixed an issue with the vehicle that they were aware of when I left the lot they had me take it to their collision center where they took photos of my vehicle and was promised to fix it that was a year ago.
Product: Credit reporting or other personal consumer reports

From XXXX through XX/XX/year> Equifax has not investigated any of my disputes. They have not removed any of the companies inaccurate information that has continually damaged my credit with false information statements. They also wont let me dispute the company claims that are false giving me a hard time disputing these false statements and missed payments claims without the proper proof of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, 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 has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name : XXXX Date : XX/XX/2021 Account name : XXXX XXXX Date : XX/XX/2021 Account name : XXXX XXXX  Date : XXXX XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a cfpb complaint against Experian on XX/XX/XXXX for unverifiable and inaccurate information on my consumer report. Here 's the complaint number XXXX. They did not remove this information and said it was verified however, I have reason to believe that an investigation was not conducted as these items were not deleted by Experian but was deleted from XXXX. See attached labeled " XXXX Charge off results ''. Additionally, upon inspecting the investigation results, I noticed that the date updated for the accounts did NOT change which means that they did NOT contact the furnisher to investigate this information. See attached " Experian charge off results ''. Next is the XXXX account. They claimed it is all verified however they are still reporting the same errors on the report which violate the FCRA and Metro 2 ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). That account was closed in XX/XX/XXXX but has been reporting a monthly charge off status. An account can only be charged off once. This makes the reporting of this information inaccurate, incomplete and unverifiable. I am demanding that they comply with section 611 of the FCRA and promptly delete this inaccurate and unverifiable information from my reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2023, my mortgage holder, Mr Cooper Group , Inc of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, withdrew {$1000.00} from my XXXX checking account, but never posted or otherwise credited it to my mortgage account nor would they reverse the charge when I requested it. Despite my numerous phone calls and several chat sessions with them, they've yet to correct their error, instead blaming it on a system update that will eventually correct itself. transcript from a chat session : There was a payment system update over the past month. We apologize for the inconvenience it mayve caused. There will be no fee charged if the problem persists on our end... ..I show that the payment was reversed due to invalid account number, and this was the same problem we faced during the update. I can create a request to know the detailed summary about the payment. They never got back to me with the results of their request. In fact, they have yet to return a single one of my phone calls. Further, they have put me on hold for extended periods of time only to abruptly disconnect ( hang-up ) without ever taking me off hold! I have literally spent hours of my time ( and many sleepless nights ) trying to get this problem corrected, but to no avail. At this point, I need someone to intervene on my behalf, before Im forced to seek a legal resolution to my dispute, because clearly, Mr Cooper has either been unwilling or unable to correct the problem themselves, instead opting to wrongfully take my money and ignore me.
Product: Checking or savings account

On XX/XX/XXXX at XXXX am while traveling, I received an email from Capital One stating that my checking account had been frozen due to unusual activity. I reached out to Capital One immediately, as I was in the middle of transactions in relation to my travel and could not make any purchases i.e. rental car, bags for flight etc and expressed how imperative it was for them to resolve the issue asap. They asked questions such as who the sender was, purpose of the XXXX  etc. in which I was able to answer every question and to add the sender in question has sent various XXXX  's in the past to assist with traveling expenses. I was then instructed by the investigation team to contact the sender and have them agree to speak with Capital One to confirm the XXXX suspected, which after various calls they were able to make contact briefly but Capitol One stated they would still need further information. After various more calls and speaking with a supervisor, I was promised my checking account would be closed and the banking relationship with Capitol One would end and a check would be sent with my remaining funds ... ... .which I was perfectly ok with at this point because I was XXXX days into my trip and still no updates on when I would have access to my money. Continuing on to XX/XX/XXXX at XXXX am, I receive an email stating that my performance savings account is now closed, which had no association to the investigation and it is not the account the supervisor agreed to close in which I reached out again and was informed there would be no updates on my checking account until the investigation is complete. Following this date, I reached out to Capital One an additional time to speak with a supervisor in the investigation 's department in which he informed me if the sender was able to obtain " a letter from XXXX with an confirmation code included '' stating that the claim either did not exist or was denied, they would be able to immediately lift the hold on my account. On XX/XX/XXXX, XXXX mailed the letter to the XXXX sender in question and once received on XX/XX/XXXX both myself and the XXXX  customer provided a copy via Capital One 's investigation team 's secure email. It is now XX/XX/XXXX the account in question is still open and frozen, and I have not been able to get any updates from Capitol One. It has now been over 30 days and I have exhausted all options and received no input regarding how long this investigation will last even though both myself and the customer of BOA that originally sent the XXXX have completely cooperated and provided all documents requested.
Product: Debt collection

During COVID this same attorney refused to work with me. Utilized usery tactics and foreclosure attempt on my property stating I didn't pay HOA fees. I was so scared I provided one cashier after another cause he said an amount then continued to increase it wiped me out of all my savings almost XXXX XXXX Now I owe HOA XXXX XXXX He increased it to XXXX and now XXXX $ and its to accrue interest daily till paid now that amount by either XXXX or XXXX his handwriting looks like both dates. I will attach the " XXXX '' EXTREME CHARGES. 
XXXX XXXX XXXX
Product: Credit reporting

Called Equifax over the weekend to unfreeze my credit report. 
The call was directed to XXXX. When I requested a US based representative as I am entitled to, I was told that the US call center is " closed '' and if I want to lift my credit freeze that I must talk to the XXXX based representative. 
I believe that this response is illegal because under US law I have a right to speak to US representative to maintain my rights under US law.
Product: Credit reporting or other personal consumer reports

I am writing with extreme frustration to demand immediate and final resolution to the ongoing and unresolved issues with my credit report. Despite multiple disputes submitted the following erroneous and unrecognized negative items continue to remain on my report, in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, there a statements from credit card companies also that I have paid thats still showing. There are a lot of issues from years ago that should not be on my reports because I paused what I owed. I have given up on this issue because they lie to you. They will act as if its off but when you try to purchase something it shows up. My score is low because of these issues so I stop trying to fix them.