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

I don't have any idea about this INQUIRIES. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!!

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

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.

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. 


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 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 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
Product: Credit reporting or other personal consumer reports

I have dispute XXXX XXXX XXXX  negative reporting on my credit report every time it always comes back as verified from Experian. When I call to get prove of debt validation Im being told they dont have to get that information as long the debt collector tell them its correct. There is no investigation that is done to make sure the reporting is correct. I need accurate reporting if the debt cant be validated it need to be deleted and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
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  Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are closed paid accounts but still under late payments and need to be removed.
Product: Mortgage

Hi! 
We are affected by COVID19. 
SO our business closed permanently. 
Started financial hardship on XX/XX/XXXX. 
We have a 10 months behind payment now. 
We denied any kinds of loss mitigation options. 
Finally. 
My husband got the job recently. 
So We sent 1st appeared letter. 
But they told me they didn't received By email on XX/XX/XXXX one. 

So I sent 2nd appeared letter by Email XX/XX/XXXX. 
I called mortgage company again. 
I called every week. 

That company agent told me that wait until XX/XX/XXXX. 

Underreviewing status. 

So we were waited. 
I called mortgage company on XX/XX/XXXX. 
Agent told me our account transfer to Attony.

Start to legal action.

Intend to foreclosure step. 
Mortgage company sent us Foreclosure documents. 

They didn't gave us last warning! 
So I called Attorney compliance department. 
They received my case on XX/XX/XXXX. 

How can I do? 
Thanks.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries from: 

Santander consumer
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.
Product: Checking or savings account

Unauthorized charges from XXXX and a XXXX XXXX XXXX par I have tried to get a refund for these charges and even spoke with XXXX in there accounts department to find out these where in fact not my charges and they still will not refund my money. 

XX/XX/XXXX Unauthorized Charges : XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$17.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX, {$11.00} XX/XX/XXXX Unauthorized Charges : XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$13.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$17.00} XX/XX/XXXX. {$4.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Ally Financial XXXX number 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 1666b 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 card

I submitted a credit card application on XX/XX/XXXX. Inmediately after submitting i recieve a call from chase fraud prevention dept. asking if I had submitted a credit card application ( i did ). A few days later I get another call from them asking if i had submitted an application. Yet again after speaking to me they said i would recieve a letter with their decision. About a week later i get a letter saying I my application was denied due to a suspected fraudulent application. Again, this is me that is applying for said card. I call yet again and they tell me they require further documentation to verify my identity ( I provide them with pertinent documents such as my ID, passport, SSN ) and call them 3 days later. During this call, I am told that my id and passport were blurry and that i had to resubmit. Chase provides me a new secure link to upload my documents. I make sure to scan the documents again, ensuring they are clear and legible, yet when I call them again, they tell me my application was denied and they were unable to verify my identity and could not provide further details as to why. I have been in a constant back and forth with Chase for 3 weeks and have gotten nowhere.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

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 or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify fraudulent items on my credit report. Despite my persistent efforts to address this issue, the fraudulent information continues to negatively impact my credit and is in violation of the Fair Credit Reporting Act. 

To provide a comprehensive overview of the situation and the extensive actions I have taken : I discovered several items on my credit report that I firmly believe to be the result of identity theft or fraudulent activity. 

Initial Dispute : Upon discovering these fraudulent items, I immediately filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I have requested reinvestigations of the disputed items multiple times. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigations. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within this timeframe, which is a clear violation of my consumer rights. 


Initiate a thorough and immediate investigation into the fraudulent items on my credit report as required by law. 

Furnish me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. 

Promptly Remove Fraudulent Items : If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 
Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remoce the fraud items : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry on my credit report.
Product: Credit card

I have a Target card, it 's my smallest credit card and I only got it XXXX for the discount they were offering. I have otherwise great credit that HAD 100 % on time payments for 12 years until this little fiasco which has amazingly damaged my credit score. 
I got this card right before Target lost everyone 's bank info to criminals. They later changed their security to where it will never recognize my computer and requires all kinds of extra verification so that I can not ever seem to get into my own card online so I mail my payments as a check when I have a balance. 
Apparently it is taking them more than 10 days to " receive '' and " process '' my payments. I am currently owing them about {$75.00} which is entirely fees, after I already paid about that much in fees once already on a balance that was only like {$63.00} to begin with. ( I let my daughter use it for the discount to spend her birthday money and then forgot about it because I had an XXXX family member. ) So after the funeral I sucked it up and paid {$160.00} ( on an original balance of about {$63.00} ) due before the XXXX of XXXX which is the due date. Now I get a statement thinking this thing is paid off and how and somehow I still have late fees, XXXX actually, so now they want a further {$75.00}. This is ridiculous. I called my bank ( who showed the check had cleared on the XXXX ) and they said it had to have been presented on the XXXX or before to have cleared because it takes one business day. I sent it well ahead of time and they clearly had it in hand before the XXXX. What is it to me how long they take to sort and handle their mail? I consider this a failure to process the payments out of compliance with the Fair Credit Billing Act ( FCBA ) but they will not overturn the charges and close my account even though it consists entirely of fees made up for a payment which was already double the amount, a payment that they had to have in hand on the XXXX for it to be through on the XXXX. Can something not be done about this? They can just take whatever amount of time they desire to sort and process and fee as they please?
Product: Credit card

I requested a Frontier Airlines credit card from Barclays with the promise of a XXXX mile frequent flyer mile credit from Frontier. I paid the annual fee and met the requirements 5 months ago but STIIL have not received the mile credit from Frontier. I have contacted Barclays several times to get this resolved but keep getting the runaround. Barclays seems to blame Frontier but I believe it is their obligation to make sure their partners deliver on what Barclays promised to get me to take their card. From online comments others are being mistreated over this also and many are calling this an outright scam. This behavior is beneath Barclays and Frontier. I am requesting an immediate credit of my XXXX miles or a return/credit from Barclays of my annual fee and cancellation of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, XXXX, and TransUnion. XXXX has deleted the item from my report. While TransUnion in clear violation of the FCRA continues with what seems to be malice to report these items. I am providing TransUnion with documentation to this effect ...
Product: Checking or savings account

Marcus on line savings account locked and no action by Marcus to clear. 
Opened acct XX/XX/XXXX. Called 7 times over 3 months to clear lock. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Spoke with supervisors etc. Was told several times that papers would be sent to me via usps. No papers or return calls received, ever.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have to keep having due to low funds. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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. 

XXXX account number # XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX, XXXX account numbers XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

navy federal they hold my transfers causing my account to overdraft it happened 3 different times. 
i had money in my account and was charged a overdraft fee
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Amount : {$300.00} Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Date Assigned : XX/XX/XXXX Amount : {$250.00} I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.
Product: Credit reporting or other personal consumer reports

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 collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.