23daVinci/CFPB_Complaints huggingface dataset:
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. 

1. Did not consent to unauthorized inquiry. XXXX Inquired on XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 2. Did not consent to unauthorized inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 3. Did not consent to unauthorized inquiry. XXXX Inquired on XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 4. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this accountXXXX Account Number XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurateXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.XXXX XXXX Account NumbeXXXX XXXX XXXX Validate/inaccurate reported late payments. 8. I never filed a bankruptcy. It is not on XXXX Transunion XXXX XXXX XXXX XXXX XXXX was the furnisher of bankruptcy information for Transunion until XXXX XXXX XXXX XXXX XXXX discharged, filed XXXX Account Number : 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: Checking or savings account

XX/XX/XXXX about XXXX was taken from my account due to fraud and which Wells Fargo said it was handled i have papers saying it was fraud yet Im the one who got charged. I am still XXXX in the bank because they wont return it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS XXXX XXXX XXXX  XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( TransUnion XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX  XXXX which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on TransUnion or XXXX  but a date of XX/XX/XXXX reports on XXXX.
Product: Debt collection

Recently I was alerted by XXXX  that NCB Management  Services is reporting a fraudulent account XXXX {$3000.00} on my credit file. This account isn't mine nor did I open said account. I have a police report in which I can furnish to XXXX  and NCB Management Services.
Product: Prepaid card

XX/XX/year> a deposit from XXXX was put on my money network card. @ XXXX XXXX  someone hacked into my online account and set up a new bank transfer account and transferred {$580.00} to an unknown and unauthorized account. At XXXX my card was declined, i was on the phone with customer service at Money Network to dispute the fraudulent activity by XXXX. They were minimally helpful. Days later when I called back I found out they closed my account. I would not get the replaced money in ten days despite properly disputing the fraudulent charges. If I was approved I would get mailed a check. No notice and no call back from them. I also have another deposit coming this week with no idea how to get the funds as EDD can not be reached either.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

i purchased 2 VIP tickets to XXXX XXXX XXXX on XX/XX/2020 for the amount of {$750.00} to be used on XX/XX/2020. When we traveled to California the park was closed due to the Covid virus. I called XXXX on XX/XX/2020 at XXXX for a refund they told me someone would call me within 24 hrs. No call so i called back XX/XX/2020 was shuffled around finally got to someone said they would refund my money but it could take up to 20 + days because of amount of refunds being given. I waited a month called back was told the refund was never started and they would get on it right away but would take 7-10 days before i saw it in my account. During the time this all started i had fraud on that card so i was issued a new one after another month of no action i finally got a hold of Vip manager who was the first person who actually tried to help me. He claimed he tried to refund the money and my bank refused it so i called my bank BofA first i was told that a card with fraud could not receive any refund and was told to have XXXX refund my new card number I called XXXX back they said they could only refund the card that the purchase was done with. i called BofA back then was told if i got manager on a 3 way call they would refund the money when myself and manager tried a 3 way call i was told by another BofA rep that was not true and that couldnt happen. The manager of XXXX then told me to dispute the charges I did but about a month later money was pulled out of my account again now BofA told me when they tried to retrieve money from XXXX it was declined due to amount of time since purchase. i called BofA numerous times to talk to a supervisor and was told 4 times a supervisor would call me back within 24hrs not once did a supervisor call. i finally got a rep named XXXX who stayed on the phone with me for 3 + hrs. She filed numerous complaints in her dept for me but there was nothing she could do further. she gave me your information and suggested i ask you for help this has been going on for 7 months i just want my money back it seems no one will take the needed steps to do it. please help me
Product: Debt collection

I received a call today XX/XX/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back and have tried to re reach him 3 more times and now he won't take my calls. All I know is the company name but no clue who they are OR why they would call me at my place of work. I was told from a few other employees that I've had a few calls like that but they thought it was about this business so they have hung up. My cell phone was on a do not call registry list. 

All I know is the company name. Constar financial .. aka " con '' sounds like a great company name. by the way.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I never received a bill or notification of a past due balance. Collections account appeared on credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds quickly stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), section 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, Experian actions may also contravene the consumer Financial Protection Act ( CFPA ) 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take actions to ensure Experian complies with federal law and provide consumers with necessary proof of investigations. The Accounts in Question are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I have a complaint with Capital One! Last XXXX I was at XXXX and use my credit card to make a payment. The card was rejected, and I was given a phone number to call to verify it was me making the purchase and not someone else. 
I made the call, that night, and received a confirmation number which identified me as the correct user on the account. The same night I went back to XXXX to complete my purchase and, again, the card was rejected. So I made the payment using another card. 

I call Capital One again to find out why the card was rejected, now they told me that they want me to send them a copy of my drivers license, front and back, to prove that I am the person on the account. I have had this card for many years and never experienced this before. 

I received the monthly statement which I made the full payment. 

Later I received another statement claiming that I owed another {$270.00}, I called them and made this payment over the phone which brought the account to a XXXX balance. 

Now I have received another statement claiming that I still owe another {$5.00}, which i disputed with them. They are telling me that they will not look at my account or discuss anything with me unless I send them a copy of my drivers license. This I will not do! 

I have asked them to close my account but they will not close it because they want my drivers license. 

Please help me with this situation, as they will keep charging me interest on an account which has a XXXX balance and will not close the account because I will not send them my drivers license?
Product: Checking or savings account

I was informed by a Navy Federal Credit Union representative that I could go to a XXXXXXXX XXXX located in XXXXXXXX XXXX and withdraw a XXXX dollars each transaction at a time. But, the ATM only let me only draw only up to {$400.00} dollars at a time! I only did XXXX transactions then the ATM advised me to contact my financial institution! So, I contacted Navy Federal again! They transferred me supposedly to someone who could help me, but she was sarcastic! She told ne that on my debit card that I could withdraw a XXXX dollars on the debit card, but it is up to the ATM if it let 's me do it. I told her. That's not what the representative told me! She told me that at XXXX XXXX ATM would let me withdraw a XXXX dollars each transaction! So that was misleading information! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only that I am getting charged ATM fees for each transaction! Something needs to be done about Navy Federal and their misleading practices! Now! I want all this to end now! Whatever fees I enquired or encurre from now on! I want back! And maybe the FTC needs to step in or another Federal entity. Because they are not just messing with veterans and their spouse and dependents, but XXXX XXXX military personnel and their families who are risking their lives all around the world 24 hours a day 7 days a week! Some don't see their wives or children for months or even years at a time, but the employees some of them at Navy Federal have the NERVE TO LAUGH! I know about XXXX XXXX. I was an XXXX XXXX United States XXXX at the age of XXXX XXXX XXXX. I went to XXXX, XXXX for a year at the age of XXXX! I went to XXXX XXXX at the age of XXXX! Left on XXXX XXXX 1990 and landed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1990  to fight! And some of them want to laugh! Clean house at Navy Federal is what I say it's not the same like when I was in!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as XXXX  days late. 
XXXX error by the creditor : My payment was processed late by XXXX XXXX XXXX XXXX XXXX XXXX, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This amount is XXXX dollars is not mine and Im have for about 2 years and they used different XXXX agency with ilegal process please si need they delete from my credit soon posible
Product: Debt collection

I have no knowledge what so all of these XXXX XXXX XXXX I didnt visit any XXXX XXXX in XXXX or previous. This is a mistake.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX 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 TransUnion 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 car insurance account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX I went to visit Navy Federal Credit Union, in XXXX XXXX, TX, which I am a member of and have been a member of since XX/XX/XXXX. I went there to complete a cash advance, I am a XXXX Veteran and My XXXX goes into my external account. So every month I go to Navyfed to do the cash advance from my external account, XXXX and transfer my funds to Navyfed. I've been doing this kind of transaction for over a year now from the same account, using the same card without any issues, until yesterday. Navyfed only allows cash advances over the phone up to {$500.00}. Anything over that amount a member is required to come inside the branch to complete the transaction, because additional information and identification is required. Which I've always complied and understood. So, yesterday my transaction was denied after, I provided everything they asked, and the teller told me because certain identifiers could not be verified, therefore I could not use my card to the external account. I asked why not? When I've been using this card without any issues. I said where is the documentation stating the changes, she continued to say I can let you speak to my manager, I said that's fine. The manager said she would call her supervisor, they denied it saying Navyfed had taken losses from this kind of transaction with my external bank. I told them what does that have to do with me? Decline those members that have resulted to the bank taking loss. Not the members that's doing accurate and legal transactions. I asked for the corporate number, they called the branch to try to get more information and I asked them where is the notice about this change? They said they didn't have one. Well I'm Like that's kind of funny when the branch stated it was a valid policy change. And at this point I feel targeted. You can't just verbally make a policy change without the appropriate documentation. Then just expect bank members to abide by it. They ending results was that I was unable to transfer the funds.