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

Equifax ; XXXX and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

My complaint is with the Navy Federal Credit Union. They are charging my credit card account with cash advance fees and high interest on the cash advance when there are no cash advances from my credit card. I have talked to an agent and tried to solve this problem but to no avail. Please help me solve this problem with my credit union. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Infiniti sent an erroneous report to XXXX damaging my credit from XXXX  
to the XXXXeven after they received payment. They are refusing to correct. I had automatic payments set for this account but for some reason this stopped working since XX/XX/XXXX. Infiniti was calling the wrong number and I didn't realized this was happening until XX/XX/XXXX when I noticed they had reported late payments dropping my credit score to the XXXX 's. I immediately call Infiniti Financial Services and told their representative I will pay all that I was behind and the current payment owed for this month right away. This was paid XX/XX/XXXX, they confirmed payment XX/XX/XXXX. This account was paid in advance to XXXX XXXX. However, they sent another Report to XXXX  XX/XX/XXXX after I paid which indicated I had not pay them. That report was false and incorrect! I called to report their mistake and they are unwilling to correct their mistake stating it is up to me to do that not up to them. I have never in my life have been late on any payment and they should had make sure I was notified of the problem prior to damaging my credit. The Infiniti Dealership claims I provided those numbers in my credit
application, but the application was filled by their Representative and they never furnished me a copy of the loan contract so I could have the opportunity to correct their mistake.

Please contact me at ( XXXX ) XXXX or XXXX if you need additional information. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY CAPITAL BANK XXXX XXXX WAS NOT LISTED IN BANRUPTCY, BUT OTHER CARDS WERE. THIS ACCOUNT SHOULD HAVE BEEN PAID IN FULL BY ACCOUNT ASSURE BECAUSE OF I.D THEFT CLAIM.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report XX/XX/XXXX and found several hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX card XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 


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
Product: Credit reporting or other personal consumer reports

I applied for a car loan through JP Morgan Chase Auto on or around XX/XX/year>, and the Bank approved my loan. All of the correspondence said that I simply needed to take my loan application/approval into dealer in their network and the loan would be processed. I ended up going through one of their preferred dealers, and the dealership repeatedly said that they had issues getting my loan approved through Chase. Chase apparently had my first and last name in incorrect fields, which was causing issues locating the application. The issue had to be escalated for review. I spoke with an associated at Chase Auto, and they reported that my application was ready to go, and they also confirmed that they didn't need to pull my credit again as a result of this issue. I return to the dealership and they are still unable to process my application through Chase Auto. I then review my credit report and see that Chase Auto has ran inquiries on my account for the initial loan approval and then again on XX/XX/year>. I did not authorize this second inquiry. This whole process has been a nightmare, despite Chase Auto 's claim that I was approved for a loan that would easily be accepted by any dealer within their network. Now I have had multiple credit inquiries on my account just to get a simple car loan. I ended up using other financing to get my car because my loan application with Chase was so problematic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card

On XX/XX/2024 XXXX fraudulent charges were made on our citibank card- XXXX to an airline in the amount of {$5800.00} XXXX XXXX and the other to XXXX XXXX in the amount of {$380.00}. They reversed the charges to start an investigation and provided us with a new card number and new cards. About XXXX weeks later we received an email stating the case was closed and credits were reversed. After calling we were told that the cardholder accepted the charges. XXXX XXXX and XXXX XXXX ( myself ) are the cardholders and we did not accept the charges. They refuse to do anything. We call every week and are told the same thing every week. We have done our own research and the airline charge was put on hold by credit card company and tickets were never used, but company never received their money- so they are in a sense trying to get double pay. We received mail from the insurance company with our address but someone else 's name ( assuming its the person who stole our information ). We have sent all this information to the Citibank via email and in letter format. They still refuse to do anything and are now charging us finance charges on the credit card we are refusing to pay. 
We have used Citibank for almost XXXX years and normally pay our balance EVERY month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.
Product: Checking or savings account

Made a deposit via mobile app to USAA Banking XX/XX/XXXX. Once deposit was made I was advised there a hold on the funds until XX/XX/XXXX. I contacted the bank and was advised the funds could not be released until that date. According to the The Expedited Funds Availability Act of 1987 ( EFAA ) local checks cant be held for no longer than two business day. I asked if a portion of the check could be released before the XXXX as I have no money to live off as well as some payments will return as they are scheduled to come out of the account before the scheduled release date, I was advised no. USAA is the only bank that places such a long hold on local checks and it should be investigated and confirmed if legal.
Product: Mortgage

Ocwen Loan Servicing outside California attorney " XXXX XXXX '' made threats that if I did n't respond to his clients {$750000.00} none negotiable loan modification offer in less then 2 days his client would proceed with the fraudulent trustee sale that was taking place in just a couple of days. Attached is email communication. In addition, I have email communication of California attorney " XXXX XXXX '' harassing me, accusing me of never mailing off the down payment, he also accused me of never putting the pretender lender loan servicers loan number on the cashiers check. If CFPB would like a copy of that email communication just let me know. Also, I have telephone communication voice recording proving Ocwen Loan Servicing representatives enjoyed harassing me, placing my call on hold for hours then forwarding my calls to a credit card advertisement company. If CFPB would like a hardcopy of all Ocwen telephone communication please let me know, I will put it on a disk send it off to CFPB.
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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$5200.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate credit reporting by American Express ( Amex ). The account listed under my name has been charged off and closed ; however, my credit report still reflects ongoing missed payments after the charge-off date. This inaccurate reporting is harming my credit profile and violates the Fair Credit Reporting Act ( FCRA ).

Once an account is charged off, no further payments are due, and therefore, reporting missed payments beyond that date is misleading and inaccurate.

Legal Basis for Dispute : 1. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishers must report accurate information. Reporting missed payments after a charge-off is misleading, as no new payments were due after the charge-off date.

2. FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) Amex has a duty to correct or delete inaccurate data. Their failure to correct this after repeated disputes shows negligence and noncompliance with FCRA.

3. FCRA 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Negative information must be accurate and can not be reported indefinitely. If the account was charged off, it should not continue showing missed payments each month.

4. FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Credit bureaus must investigate disputes and remove unverifiable or inaccurate information. Since Amex has failed to provide proof justifying the continued reporting of late payments, the account should be deleted or corrected.

5. FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) If Amexs failure to correct these errors is willful, I reserve the right to seek damages in federal court for harm caused by this unlawful reporting.

Requested Resolution : Immediate correction of the payment history by removing all late payments reported after the charge-off date.

If Amex can not verify the accuracy of this information, deletion of the account from my credit report. 

I have attached a copy of my credit report highlighting the inaccurate reporting. I expect written confirmation of these corrections within 15 days of the complaint submission. If Amex fails to take corrective action within 30 days, I will consider taking further steps, including filing a formal complaint and pursuing legal action.
Product: Checking or savings account

I disputed several charges for an XXXX XXXXo that I use. The dispute was declined right away with no explanations. I believe that 1 of the customer service people who hung up on me immediately declined it. Because he didn't like that I told him to stop repeating himself and asked for corporate. The charges look fraudulent. On another dispute that I filed that they got incorrect, the XXXX XXXX actually contacted me calling them chargebacks. I explained what happened to them. And they sent me an email saying that those are the only two charges that they had received a complaint line and told me their charges come up on my bank account. I submitted this information. They told me that they had reopened my case twice. Upon checking, they had not opened it at all. Only 4 hours went by. They could not have properly investigated my claim. If they had, the company would have reached out to me about the other charges I disputed.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting CREDIT XXXX BANK somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record 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 request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' 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. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Dept of Ed - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Us dept of ED / XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX - XXXX 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: Credit reporting or other personal consumer reports

I recently discovered XXXX XXXX XXXX {$2200.00}, XXXX {$0.00}, XXXX XXXX XXXX {$640.00}, XXXX XXXX XXXX$1400.00}, XXXX {$1000.00} on my credit report from TransUnion. This is extremely embarrassing and concerning. TransUnion does not have my authorization to share my personal information. I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the Gramm Leach Bliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX  has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Product: Debt collection

Company is attempting to bill a debt not owed. Insurance was never billed by original company. {$900.00} companies have been provided with billing information multiple times.
Product: Credit reporting or other personal consumer reports

The company DID NOT provide me with the following details the name of the courthouse which you verified the information with, the name of the person at the courthouse who handled your request, the address of the courthouse, the telephone number for the Clerk of Court 's office, which document you obtained to verify the bankruptcy, including the reporting agency ( US Court ). and still reporting the information for a bankruptcy they said they verified on my consumer report.
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 Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX 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.