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

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not onl violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting or other personal consumer reports

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/XXXX 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C.

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose.

XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party.

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed an original contract with XXXX ( XXXX XXXX XXXX XXXX XXXX  ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX  passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was advised by TD Card services that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted TD Card services and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact RD Card has now reported the fraudulent address to the credit reporting companies ( XXXX, etc. ). Today I spoke with XXXX at XXXX  and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with TD Card services and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to TD Card on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from TD Card.
Product: Credit reporting or other personal consumer reports

My personal information is incorrect on my credit report. Along with incorrect credit information! This incorrect information is negatively affecting my credit report and is in violation. I have tried to contact and correct these issues for over 3 months! I want Equifax to correct all information that is reported on XXXX XXXX XXXX. XXXX. XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with TransUnion & XXXX reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.
Product: Consumer Loan

I took out loan thorough Best Buy c.f. for no interest if paid before XXXX 2015. I set up payments through bill pay at my bank to insure prompt complete payment. For some reason, the last payment was short something like {$0.00}. I hear nothing more for 3 months until I happen to see an e-mail from Citi Bank and a bill for {$160.00} and change. I call to see what the problem is and I do speak to plenty of people at the bank. They were quite gracious in reducing the bill to {$120.00} and change. I now realize that there were calls on answering machine that were unintelligible, and this was probably them, but I still do n't know.
Product: Checking or savings account

On XX/XX/XXXX I received notifications from my Chase Banking app that there was suspicious activity and that Chase suspected Fraud. On XX/XX/XXXX my card information was used to make a purchase of {$57.00} at a XXXX in XXXX, IN. On XX/XX/XXXX my card information was used to make a purchase of {$160.00} at a XXXX XXXX XXXX XXXX in XXXX, IN. Neither of these purchases were me as I was 200 miles away at college at XXXX University in XXXX, IN and I had possession of my card. It was a school week so I would not be anywhere else but school, and do not have a car so I would not spend {$57.00} at a gas station. I immediately called Chase Customer Service on XX/XX/XXXX and the customer service agent was able to help me and credited my account the money that I did not authorize on my account. 

On XX/XX/XXXX Chase sent me a letter saying that they were reversing my credited transactions. After speaking with customer service, the woman on the phone said that they had " trouble believing the claims '' since I go to school in Indiana and since my card has a chip. She was very accusatory in her tone, and I was appalled. These transactions were not my doing, and I was a victim of card fraud, yet she continued to shoot down my responses and said that there was nothing they could do for me once the credited transaction was reversed. On XX/XX/XXXX I went to my local Chase Bank and was again that there was nothing they would do because they believed these charges were valid. They refused to re-credit my account. Chase Bank 's handling of this matter and its treatment of me as a customer is both offensive and egregious. I believe that a credit for these unauthorized purchases is necessary and I would appreciate any help I can get in resolving this matter.
Product: Checking or savings account

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

I dispute the Validity of this debt. I've never done business with 'southwest '' nor signed any contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was an auto loan. It was closed and charged off in XXXX. In XXXX, GM financial reported to XXXX that the account was current by reporting a current payment which was fraudulent. GM financial reported this to keep my account in negative standing with the credit bureau. Despite several letters to GM financial explaining their fraudulent practices, there has been no movement in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 4 dispute letters over the course of 5 months to Transunion disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removefixd the following accounts completely from my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

Car repossessed on XX/XX/2018 for a back due amount of {$650.00}. I missed one payment and the next lease payment was due. I had some problems making the lease payments in the past on time due to some financial issues I was having but they were always made often with me paying a late fee. Chase never once tried to work with me to come up with a plan that could work for both of us. I received a certified letter on a Friday and they repossessed the car on Monday. The calls I did make to Chase were often handle by rude, abrupt customer service representatives. I did file a complaint with the attorney general of Pennsylvania but they were unable to help. l
Product: Debt collection

I am elderly vet and XXXX XXXX XXXX. I am confined to a XXXX. Debt Recovery Solutions ( DRS ) took advantage of my situation. DRS contacted me and told me and my XXXX and told us that I had to pay a XXXX bill. I told them it was about 15 years old. They sent me a letter that said they had purchased an account from XXXX. They didn't let me know that it was WAY beyond the statute of limitations. The last activity on this was in XX/XX/XXXX I believe. I have learned that it should not even be on my credit report. They have reported it as opening in XX/XX/XXXX but date of last activity XX/XX/XXXX. They also just started reporting this account in XX/XX/XXXX right when they got a trigger notification that I was looking to buy a home. When I disputed this account verbally ( by telling them it was 15 years old ) they told me " too bad. You have to pay it to get it off your credit ''. I felt I had no other choice. DRS also never allowed me to validate the debt before reporting it which I have learned is a violation of the FDCPA.
Product: Mortgage

me and my wife went thru the entire process and for some reason me and the loan specialist were slightly bumping heads and all of a sudden when we were going to close which were a couple of days in the process the place that we were trying to get a mortgage loan VA declined on our loan due to personal reasons which is totally against the law.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX  Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I was expecting to have my XXXX XXXX that has been sent to my coinbase account without a destination tag. It was sent to my coinbase on XX/XX/XXXX, so the suspension hasnt took effect yet. Suspension of XXXX was XX/XX/XXXX. The question is, if I am going to have it either in equal amount to other crypto or on my XXXX XXXX? 
XXXX XXXX XXXX said coinbase has it. 

It is already XXXX and I am losing hope. That is more than {$3000.00} now I tried contacting them same day the problem happened, they replied XX/XX/XXXX but their response doesnt even reloved my problem and then until now no response again from them. 

I had the same issue with other exchange platform but my token are refunded in less than 24 hours ...
Product: Mortgage

Applied for a home equity loan with Figure, an on line lender. They did not tell me I needed flood insurance before they funded the loan into my account. I had sent them a copy of my home owners insurance as requested and at that point they said maybe I would need flood insurance. I got the email this morning saying my loan was in the process of being funded and that I would need flood insurance. When I checked my account I found the money already there. I called their customer service number XXXX and spoke with an XXXX and she said it was probably not a problem that it was a form letter. However she checked on it and came back to me and said that we did require flood insurance. She referred me to her supervisor XXXX. I asked him to take back the funding he said they could not do that since the three day recession period had passed but I was not informed during that period that I definitely needed the flood insurance. Had they informed me that I needed flood insurance when I sent them my homeowners insurance, I never would have taken the loan. I feel that their business practices are very misleading and shady. Now I'm told my only option is getting the flood insurance or paying off the loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Cash App pulled {$870.00} from my XXXX  checking account into my Cash App account without my authorization. This unauthorized transaction caused my XXXX account to overdraft, resulting in additional fees and debt. 

I contacted XXXX to report the issue, but they told me there wasnt enough evidence to take further action. As a result, XXXX ultimately closed my account. This incident has not only caused me significant financial and emotional stress but also negatively impacted my credit score due to the unpaid debt associated with the overdraft.

Im asking for this matter to be thoroughly investigated and for steps to be taken to address the unauthorized transaction and its consequences.
Product: Vehicle loan or lease

Capital One hired XXXX XXXX XXXX to repossess my vehicle. Capital One violated me by now providing a letter or rescission which is a violation of 15 USC 1635a. 15 USC 1605 was also violated because the insurance was never included into the finance charge, I was made to obtain insurance before I left the car dealership. Once I provided my social security number and signed the application Capital One was supposed to provide a check to me for the total amount of the consumer credit transaction ( according to the definition of a purchase money loan in 16 CFR 433.1 ). I provided the security and it was supposed to be accepted with the debt in exchange for the good or service according to the National Banking Act 1863
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an collection account on my credit report that is reporting incorrect information. 

The account is currently being reported by Security Credit Services with an Opened date of XXXX and the amount of {$16000.00}. 

The original Creditor for this account was XXXX XXXX XXXX XXXX XXXX. 

This account was closed as of XX/XX/XXXX I have disputed this information twice now. 

The first time on XXXX XXXX. Advising incorrect information is reporting as the open date is incorrect. 

The second time was on XX/XX/XXXX. XXXX as the open date is still incorrect.
Product: Credit card

I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too.
Product: Credit card

I made the payment before XXXX ET payment cutoff deadline on my Barclay 's Wyndham XXXX Visa credit card. However the company still charged me a late fee. I have a printed time stamped verification of my payment. It was made at XXXX PT which is XXXX ET, so the payment should not have been marked as late.