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

Accounts were supposed to be in differed status, somehow there was a laps in deferral causing there to be a late payment on my accounts. I have tried reaching out to work on getting the late payments removed as my account has been in good standing for a long time but unable to get help, my student loans have changed providers multiple times it can be hard to keep track of the provider.
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 to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available fund. I believe these practices are unfair and request an investigation into my transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer. 

You are required to do what I'm asking and block these transactions from being reported to my consumer report within Two days of the day of the receipt of this notice I look forward to your response.
Product: Credit reporting or other personal consumer reports

Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the XXXX point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America XXXX XXXX, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached account on my report has been removed from my XXXX consumer report. Per the 15 USC 1681, all three consumer reports must be reported accurately and uniformly. Please see the attached screenshot of my report for evidence.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i was shocked. I don't know why you put this information to my account. I believe someone used my personal information and applied for this
Product: Checking or savings account

I informed Chase bank that in late XX/XX/2023, My debit cards was left at the XXXX XXXX while I was flying out of the state to XXXX, XXXX. I was out of town for a week with my book bag being left at the airport. My bag included my social security card, my pin card, computer, and phone. I believed originally that my bag was left at the airport, but when I returned a week later to the lost and found, I found numerous charges on my personal and business debit cards. I contacted chase multiple times to dispute the issue and open claims. I sent in my flight itinerary multiple times, but Chase has continued to decline my claims without any evidence or further resolution of my dispute even though these charges were done fraudulently. I again did send in my flight itinerary showing that I was not in town at the time of these transactions and it was impossible for me to have me them. 

Business Name : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Personal Name : XXXX XXXX Chase Personal - Claim XXXX
Product: Credit reporting 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 XXXX XXXX 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: Credit card or prepaid card

My account was closed without prior notification. but that is not my main concern but rather that all my accumulated cash rewards in the amount of {$110.00} was seized by the XXXX XXXX. 
After contacting the XXXX XXXX they responded that they have sent me a notice that the account will be closed and if no action taken my rewards will be seized. I have explained to them that I have never received such notice and its just plain common sense that if I would have received a notice of such action, I would have not ignored it. Neither did I receive any email regarding such action. You can google and see the data yourself that billions of dollars of us mail is lost every year. The representative confirmed that they have not sent me an email, nor do they have any proof or certified mail on file that I have received such notice by mail, however she unfortunately can NOT help me because this is the policy of the company. 
This XXXX XXXX has found a way to rob its customers. Even if they have decided to close my account, its just fair and ethical to mail me a check of the cash rewards that they owe me and belongs to me.
Product: Debt collection

For about 2 years ever since I got a new phone number I've been receiving calls for someone else 's debt, repeatedly I've told these companies that the number is false and to take my number off of their call list but they won't stop. I feel like someone is using their previous phone as fraudulent information to take out loans. 

Most recently I've received almost daily called from this " XXXX XXXX XXXX' Phone line, when asked what their company was they said " Phoenix Financial Services ''. I've told them to stop before but they keep calling me over and over. I don't know how to report this person, but they tell me the name of the person when they call me I just don't know how to spell it. The people are very rude, and refuse to help me and keep calling. I've also asked for who exactly is using my phone and they say the name, don't spell it and try to rush me off the phone.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

KASHABLE LLC Account number : 19 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct. # XXXX under title XXXX XXXX same as account this contracwas fixed count # 1 XXXX XXXX XXXX XXXX XXXX, count # 2 XXXX XXXX XXXX XXXX XXXX, count # 3XXXX of XXXX XXXX, count # 4 XXXX of XXXX XXXX XXXX t/a XXXX XXXX, count # 5XXXX of XXXX XXXX XXXX, count # 6 XXXX XXXX XXXX, # 7 XXXX XXXX XXXX, facts and evidence warranted
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for capital one spark business card and capital one requested more information. I sent over all my information that it requested and my application is still in verification status. Ive been told that it was going to take three weeks and each time that I call I get a different response to whats going on. Ive spoke with several application supervisors and nothing has still been done. I uploaded a Secretary of State Form, along with a personal utility bill ( XX/XX/XXXX ) and my SS card ( XX/XX/XXXX ). On XX/XX/XXXX I faxed over a Utility Bill for the Business, and an Invoice from XXXX. What other info is needed? Im very disappointed this has taken this long and no one has given me an answer. Ive sent over 5 documents for the application and it seems like the team IS working very slowly. Ive requested that an Executive look at my application and tell me what other documents are needed All of the info thats needed has been sent.
Product: Mortgage

On XXXX XXXX I paid PHH Mortgage XXXX .The check cleared on XXXX XXXX. On XXXX XXXX I received a letter stating I was in default of my loan because they didnt receive my payment.I wen to my bank on XX/XX/XXXX and got a signed copy from the bank showing the check had been paid.Because when I faxed the first copy they also claimed they couldnt read it. So thats when I went to the bank.I have emailed, faxed and mailed letters over and over and every time they say they can read it or its not legible.The last letter I received was XXXX XXXXsaying I was in default! I havent missed a payment I pay my mortgage every month.they have also added late fees to this loan. I dont know what to do.my nights are sleepless because of this. I would like to file a complaint against PHH Mortgage! 
Thanks XXXX
Product: Debt collection

I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements. 

If XXXX is unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

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

I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.
Product: Checking or savings account

In XX/XX/XXXX I found out that I was a victim of identity theft someone had take a personal loan of XXXX at a bank called XXXX XXXX via Synchrony bank on XX/XX/XXXX and the made a transaction of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I went through the proper channels at identity theft. Gov I've frozen my XXXX number I've reached of to the bank and all they were able to tell me was someone used my first or last name and changed it and used my SSO number and added their self as the second card holder and a different address but the flaged the account but now the loan is on my credit report I am asking the this matter be looked into I XXXX this information about the loan at XXXX XXXX XXXX the bank number XXXX ( XXXX ) XXXX I've been working on rebuilding my credit but I never made this transaction and it completely fraud thank you for time with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.
Product: Credit card or prepaid card

I have a merchant billing dispute and was informed my dispute can not proceed for 11 transactions while indicial disputes for two transactions were decided in my favor. The merchant, XXXX, operates prediction markets at XXXX and the transactions are for deposits to an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. My AMEX card has a {$500.00} cash advance limit ( while my full credit line is {$7500.00} ) and if these transactions were processed as cash advances, it would not have been possible for me to deposit as much as I did. I have lost over {$83000.00} on this site through deposits on seven credit cards during a three month period, with over {$10000.00} on AMEX. During the month of XXXX XXXX alone, I have made over {$44000.00} in deposits. During the month of XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers. This does not seem right. I tried to work it out with the merchant to no avail.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed some inquiries that does not belong to me.
Product: Vehicle loan or lease

Vystar Credit Union submitted correction to the XX/XX/year> payment however they are not correcting the XX/XX/year> payment. I have made every single payment on time for the duration of my car loan. Vystar has not provided evidence of a late payment. Please see response letter attached.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Debt collection

I am writing this due to non-compliance with the CRA AND Department of Education They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Credit card

I applied for a Bright credit card, filled out the form, paid the fees and then nothing every happened. I requested to cancel my " membership '' with them and requested a refund on XX/XX/XXXX. I was told 2-3 days. Nothing showed up. So I contacted them again, was told 2-3 days rinse repeat to today. Was then told because it's an AI system, they have no control over what it does when it tries to refund fees and if it even attempts to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deparment of education/XXXX  is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with experian & XXXX & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.
Product: Vehicle loan or lease

We took an auto loan with Regional Acceptance Corporation for a vehicle XXXX or XXXX of XXXX. The loan was only supposed to be for 5-7 years agreement. 
It is now almost 9 years later, and we still have a hefty payoff. There were occasions when we received deferments, when I lost my job in XXXX and the XXXX XXXX XXXX XXXX  To covid and medical issues that are still ongoing. Despite the deferments, we have always made arrangements and even scheduled future payments to always catch up. But it seems like we are not catching up at all, we just keep paying and paying and do not see the principle decrease as we know most of our payments are going to interest. We feel now that we have become victims of predatorial loan practices, and our privacy and consumer rights have been violated. 
With the lender failing to provide us with detailed description of how much of our payments goes to interest and how much it goes to our principle, in the form of documentation, which I have requested several times via telephone and email. Refusing to provide us with a copy of our contract and attempting not to negotiate a settlement, Regional Acceptance Corporation, is in violation of the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX