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

XXXX XXXX XXXX XX/XX/XXXX {$460.00}, XXXX XXXX XXXX XX/XX/XXXX {$810.00}, XXXX XXXX XXXX  XX/XX/XXXX {$830.00}, XXXX XXXX XXXX XX/XX/XXXX {$870.00}, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} DELETE ALL INQUIRIES AND ACCOUNTS
Product: Credit card

I was denied credit by Navy FCU on XXXX XXXX when I applied for the Cash Rewards card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act. When I signed that application for their services I then become an investor into their company where they then securitized and traded my credit application as an asset backed security on the secondary market. I received no benefit and that is Securities Fraud and it goes against the regulations of the SEC as well as the FDIC and OCC.
Product: Debt collection

Found company Commonwealth Financial Systems , Inc. has a continued open case against me in the amount of {$470.00}. The incident the debt is referencing is an amount owed to a hospital. At the time, insurance had been incorrect and, once corrected, the debt was removed ; however, as of XXXX XXXX, 2015 this institution is still showing the debt as active. 

When calling CFSI, they told me the debt had been closed out. Furthermore, they added uncertainly, they " possibly '' sold to another third party, even providing me with a case # XXXX for this new agency, XXXX. 

Upon calling XXXX and providing the case number, they said the case had also been closed and " possibly '' re-directed me to XXXX with a new case # XXXX. This proved to be wholly inaccurate with XXXX, as they had neither my information, that case, nor any debt of mine. 

As far as I can tell, CFSI is playing a shell game with a debt of mine that 's long-since been resolved. Bottom-line, if the case has been resolved with this company, then why it the open case listed under their agency? This is either a case of neglect or fraud. I am in the process of getting all of their paperwork involving the acquisition of the debt and anything proving that the debt has been closed with CFSI ; however, in the mean time, this unnecessary act of neglect on their part has cause my credit to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one inquires are on credit file unauthorized. Company failed to comply to FCRA Guidelines. Made several attempts to resolved issues with company.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX and us bank and XXXX XXXX report accounts twice on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Great Flood in Louisiana XXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the XXXX, XXXX  and Transunion to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : TransUnion : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

XXXX  : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

XXXX : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Product: Checking or savings account

I had a fraud charge to my claim while I was at work, my card was used for XXXX XXXX I called to get it resolved and was told I needed to submit a fraud claim, which I did. In the XXXX XXXX  my claim was denied and I dont know why. I submitted my police report and other supportive documents. It has been since XXXX and I have yet to hear anything back. On the pamphlet it states claims will be resolved with in 120 days it is well over 120 days and no one at navy federal has any information. Its like they want me to forget about my hard earned money. I have no trust in navy federal at this, which is a bummer because Ive always heard great things about them. I need help recovering my fund from this establishment.
Product: Debt collection

I have been contacted by, to date, 8 different collection agencies who are attempting to collect a debt on behalf of XXXX XXXX. The problem is that I DO NOT and have NEVER had an account with XXXX   XXXX. All of these agencies have investigated this and determined that I did not, in fact, have an account with XXXX XXXX and that my identity may have been used to establish this account and have closed their files and returned the account back to XXXX XXXX. XXXX XXXX ignores the investigation findings and then sends the account to a different collection agency and the process starts all over again. 

Currently, I am receiving calls and letters from 2 completely different collections agencies, at the same time, both stating they are working for XXXX XXXX and they are the proper one to be handling this account. Both have been advised this is not my account and that I DO NOT nor have I ever had an account with Dish Network. How is it even legal for two completely different collection agencies to be trying to collect the exact same fraudulent debt at the exact same time? 

I have gone online to XXXX XXXX 's site and completed the identity affidavit numerous times, which they keep telling me will bring a resolution once and for all, but that only seems to get this fraudulent debt sent to another collection agency and the process starts all over again. 

I am attaching the letters from both current collection agencies as proof there are in fact 2 different agencies attempting to collect this fraudulent debt at the same exact time.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. 

Also, I need to make Transunion and XXXX aware because I believe this will be reported as well at some point.
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. 
XXXXXXXX XXXX XXXX # 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 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 had made one deferment for a hardship in XX/XX/XXXX. They never honored in and has had me marked as late for almost a year and now they are claiming I didn't pay XX/XX/XXXX payment I show proof for both XXXX XXXX payment and the deferment and am now getting the run around. They are a predatory lender and needs to be shut down. I can't get a straight answer as to where that money went and they screwed my credit score
Product: Credit card or prepaid card

Son purchased a father 's day gift under his XXXX account, which also had my credit card linked to it. When my son made the purchase, it defaulted to my credit card. I did not know he had purchased this item, so I put a complaint in with the credit card company as a fraud report. A few days later, the XXXX box arrived and I had asked my son if he had made an XXXX purchase around {$1600.00}. Then he realized that it had been charged to my credit card. I immediately contacted Citi Bank and informed them what had happened and that the charge was not fraud. I told my son that I didn't want a gift that expensive and to send it back, which he did immediately. XXXX had confirmed the shipment of the return, as well as the receipt of the item and that the refund had completed on XX/XX/2023 to my credit card account. I still can not get this charge removed from my account. XXXX has sent verification that they have credited the account, but I have been on the phone with Citi Bank with not resolution in sight. They just pass me around from person to person wasting time with no solution. 

To summarize : Item was purchased by my son on XX/XX/2023 Item was charged to Citi Bank XXXX on XX/XX/2023 Dispute was opened and then subsequently close on XX/XX/2023 Item was shipped back to XXXX as a return on XX/XX/2023 XXXX noted that the return had completed and account had been credited on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you provide me with your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, If you can not provide me with this information in ( 15 ) days update the account to Paid/Never Late to the corresponding months and send me a copy of the updated credit report.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.
Product: Debt collection

Regional Finance  is stating that I still have a balance of {$570.00} when I actually paid this account in full on  X/XX/17    ( see attached receipt ) in the amount of {$3400.00}. I am in the process of buying a home and this is causing me a set back. This should have been updated on my credit at least 30 days ago. It is still reporting as a deliquent account. When I called to speak with Regional on  X/X/17    they were very rude to me and offered no help even though I have proof from  XXXX   XXXX , Attorney at Law that this account was resolved. I want this updated on my credit report immediately supplying me with the AUD or Control Number that they will be provided once they have submitted the update to the  XXXX . I also request to have a letter sent to my current address showing that this account has been closed out in their office.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Experians failure to conduct a reasonable reinvestigation of my previously submitted dispute, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite my request for verification of inaccurate information on my credit report, your response was inadequate and did not comply with federal law.

According to the FCRA, when a consumer disputes the accuracy of an item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. However, based on the outcome of my dispute, it is clear that Experian failed to meet this standard. Specifically : Lack of Proper Verification The disputed information was allegedly " verified, '' yet Experian did not provide any substantive documentation or explanation as to how this determination was made.

Failure to Consider Supporting Evidence I submitted supporting documentation proving that the disputed item is inaccurate, but Experian disregarded this evidence without valid justification.

Continued Reporting of Inaccurate Information Despite my dispute, the inaccurate information remains on my credit report, causing ongoing harm to my creditworthiness.

In light of these violations, I demand that Experian immediately : Conduct a proper and reasonable reinvestigation of the disputed item ( s ) in compliance with 15 U.S.C. 1681i ( a ).

Provide a detailed explanation of how the disputed information was verified, including the sources and methods used.

Delete or correct the inaccurate information if it can not be fully substantiated.

Provide me with an updated copy of my credit report reflecting any corrections.

Failure to comply with these obligations constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. If this matter is not properly resolved, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my only address and current address 15 U.S.C 1681 5-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Today at XXXX I called Nissan Financial to ask for past due payment and the upcoming payment moved to the end of the loan. I had a guy who refused to give me his name and was very hard to understand. I explained to him for him to submit my request and he asked me right away why? I replied because of covid19 my hours have been reduced at work and I am only part time right now. He said well I can only move one payment to the end of the loan and I said but my next payment is around the corner. Then he said that he was going to report me to the credit burea for not paying car loan. From my understanding late fee during covid19 are being waved and late payments are not being reported because of covid19. All that I asking is for my past due payment and payment due on XX/XX/XXXXmoved to the end of the loan.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX credit card is paid in full. I dont have any balance I cant dispute this online with you guys because you wont let me something is always wrong with your website. Can you please update my balance, so my score will go back up. Thank you.
Product: Credit reporting or other personal consumer reports

Yes, credit bureaus do not report taxable income to credit bureaus : IRS doesn't report to credit bureaus The IRS does not report tax-related information or income to credit bureaus. 

Credit bureaus stopped collecting salary information Credit bureaus stopped collecting salary information over 20 years ago because it was often inaccurate and self-reported. 
Credit reports don't include income Credit reports do not include income, bank account balances, or investment account balances. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how credit reporting agencies can collect, use, access, and share consumer credit bureau data. 
Credit Bureaus states that they do not report Taxable income. There are multiple accounts that has been reporting as Charge off. The companies that are reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has multiple violations. Partaking in such matter with these 18 US Code 894. 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non-repayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 
( Added PubXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXTexas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan with USAA bank a fixed interest rate loan however the bank is charging me a daily rate rather than fixed monthly agreed upon. 

Interest rate higher than principle rate. Ask USSA why they indicated I am charged daily rather than monthly for the loan. 

This is unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have made several attempts from XX/XX/XXXX-XX/XX/XXXX with certified letters to Lanier Collection Agency and XXXX, for verification on a medical debt of {$67.00} which they say I owe. I only received a bill with very little information and was told it was validated.