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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5
) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Vehicle loan or lease

I signed a contract for a used car loan on XX/XX/XXXX, before leaving the dealership I asked if the deal was closed, both the managers and financial manager said yes. I left thinking everything was great. I get a call XX/XX/XXXX that the loan was not approved and I need to return the car. I contacted the bank and theyre telling me that the dealer is not accepting their terms. I asked the dealer and theyre said that the bank did not accept their terms. I have reason to believe that the dealer is pulling a yo-yo scam on me. Please help. That car is my only means of transportation for school and work and I can not just return it, especially since I signed a previous contact.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as NAVY Federal CU. 

To whom it may concern, My rights as a federally protected consumer are being violated by Navy Federal Credit Union, XXXX, XXXX and XXXX by reporting late payments on my monthly consumer credit report. Navy Federal Credit Union and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : 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.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information. 


Thank you for your prompt attention to this matter
Product: Vehicle loan or lease

My car was repossessed on XXXX by Ally Bank. After my car payment was fully paid, I made an appointment to pick it up on XXXX at XXXX XXXX  yard. When I went to pick up my vehicle on XXXX there was extensive exterior, interior, and motor damage to vehicle. My vehicle had zero damage when leaving my home .That same day I called between XXXX XXXX XXXX and filed the complaint. Two days later, we left for our wedding, having no contact with the bank for XXXX XXXX XXXX When I reached out to them on XXXX the bank explained the case was in the system but was never filed, so the claim was re-filed that day. I have been constantly calling the bank attempting to get answers with no verbal response from anyone. The initial investigating company explained Video footage from my home security camera, and footage from the initial towing company and initial holding yard show no damage done to vehicle, which entails that the damage was done by the second towing company or the auction yard itself. The tow truck driver who transported my car from the yard in XXXX, NH to XXXX in XXXX called me to explain that the keys were locked in the vehicle and he called for roadside assistance to open up the vehicle ( which caused damage ). I had the spare key at my house and either could've driven it down or had XXXX reset the car so they could get in. Then when the tow truck driver gained access to the inside of the vehicle, the key automatically deleted, so the car would not start. The driver explained to me that he was unable to take the car off of the truck and was going to have to wait until tomorrow. Then the driver called me back and explained he got the vehicle off of the truck and it is all set. The auction yard explained the car had not moved from the spot that it was dropped off, explaining they could not have caused the damage. My car currently has {$13000.00} in damage, interior, exterior, and motor damage. I have now relayed this to the bank multiple times and they have been very careless with the information, asking to resend the information and pictures. The bank currently is not contacting me appropriately. I have not received a rental vehicle, 2 months and 18 days after the initial claim was filed. I have requested for the worker handling my claim to contact me via phone, as well as requested a manager to contact me 6 weeks ago, and I still have yet to receive any sort of phone contact.
Product: Mortgage

I sent in my payment within the grace period and did not know that I could not send it in two parts. Thus, the company sent the funds back in a cashier check over 2 weeks after I had made my XXXX payment for loan XXXX. They had me sign stop payment forms for their cashier checks so that they could reapply funds to the loan. I did so and emailed back on XXXX. But due to their systems firewall they were not able to open the attachments. I have since, emailed it to them 7 additional times in a pdf and they still can not open it. I have proof of all emails and dates sent. Now they are telling me that it 's my problem and I have a late payment that they will not fix and I have to dispute it. Even though it was sent on XXXX and they could not open it due to system constraints on their end. This is not the consumer 's problem, and as an elderly person I feel I am being treated unfairly and unjust. How as a consumer can you trust a company that is held accountable for my payments and yet they can not open my email. This hardly seems like a reputable establishment. They also do not give out their names when they speak to you on the phone. It is there practice not to share names or escalate a call to a management member. I ca n't help but wonder what they do to other elderly customers that they work with. This seems fraudulent. I have asked them to send me the paperwork that shows I can not make my payment in half and they have not done so. It has been a month and nothing received. What are they hiding?
Product: Checking or savings account

Good Afternoon. I am reaching out because I would like to get my Capital One 360 account reopened. It was restricted back in 2017 and hasn't been reopened. I was accused of writing fraudulent checks and the rep stated that my handwriting matched something, which I know wasn't true because my signature changes so much. Not to mention that myself and my husband were victims of fraud. We do have police reports to prove this and this account fell victim to a lot of fraudulent activity. I would like to have this account reopened or a new one reopened. I would like someone to reach out to me to help me with this process or tell me what I need to do. I have since established an amazing relationship with Capital One and I would like to add on to it business wise and personal wise. I do have an amazing relationship with a local bank, but Capital One offers more flexibility. I see that there is a balance on there which I am willing to pay asap, but no one has ever told me what I needed to do or if it was even possible. I feel like the rep was close minded and didn't care that I was a victim of fraud.
Product: Checking or savings account

2 unauthorized ATM withdrawal transaction. One on XX/XX/XXXX XXXX and the other on XX/XX/XXXX XXXX of {$500.00} each. 

I called the company and told them my card was lost and those transactions we not authorized. 

They denied my claim on XX/XX/XXXX. I called for more information and they said that my claim was denied because they werent able to prove fraudulent transaction. 

I requested that they open the claim again and I would provide video and eye witness testimony from my boss of me working at the time of the the first unauthorized transaction. 

They informed me that they can not take videos or testimony as evidence and the claim can not be opened again and would have to be handled outside of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies XXXX, XXXX, and Equifax has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed 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 Balance : {$58000.00} 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

Ive submitted proof of Identification card, Social Security card proof of address and FTC On the page 2 These INQUIRIES should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit file that I didnt permit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Product: Student loan

I received a loan from XXXX XXXX, my account was given to Navient and they do not do forbearance andit very hard for me due to my financial status.
Product: Credit card

I have consistently made timely payments on this account, ensuring they were never overdue. I am puzzled by the reports of late payment remarks on my account. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumers reports and noticed that I had a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XX/XX/2020. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attachment.
Product: Credit reporting or other personal consumer reports

its very upsetting and has left a disturbing and distained feeling after viewing my credit report and seeing several fraudulent items on my report as an act of identity theft. a XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, i did mot authorize these accounts, and they were updated to my credit report without my knowledge or permission. under 15 US code 6802, financial institutions are required to protect my personal and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice.

these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within 4 days of you receiving this complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from my credit report.

Accounts Affected by the XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized charges on my consumer report that was without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This complaint is totally different from complaint no. XXXX. 
I am unable to get a copy of my credit report, secure the status of my disputes, speak with the contact person who called me one time and will not return my calls, and several companies have requested that negative accounts be deleted and yet TransUnion will not delete these negative accounts. Lastly, names are on my account are not correct. I am being told not that only the " Priority Department '' can pull my file but no one answers or returns my call. TransUnion has names that are not mine and negative files that should have been deleted.
Product: Credit card

On my XX/XX/XXXX statement from Barclay 's Mastercard I was charged interest on purchase s even though I paid the previous month 's balance in full. This is apparently a new policy implemented without prior notification. Is this legal?
Product: Checking or savings account

Back in XXXX of last year I went on a Website called XXXX XXXXXXXX and found I had an unclaimed refund due in the amount of {$4400.00}. I never received the check and in XXXX of 2023, I called to inform them I had never received the check. They advised me to request a duplicate check. Soon after I was informed that the check was cashed. 

I was told to request a copy of the check through the Department of Financial Services public records request portal to verify it was not my signature which I did. It said on the check it was cashed The signature is not mine and when I called the bank that cashed it, US Bank in XXXX XXXX XXXX they asked for a copy of the check which I provided them. After some back and forth I get the following reply : Hello XXXX, At this point, we are unable to submit a claim regarding this issue due to insufficient information on the check image. Well need a copy of the check with the redacted information. My understanding is that youll need to file a public records request. Once we have the check image including the redacted information, well be able to research and submit a claim. 
Let me know if you have any questions. 
Thank You, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Email : XXXX Banks never want to take responsibility for their mistakes and I keep getting the run around. Bottom line is they cashed a State issued check to someone it didn't belong to.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXX- $ XXXX opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXXDEPT OF ED - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXXDate opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX/DOFED - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX/DOFED- Account NumberXXXXDate opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : 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