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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : DEPT OF XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Well basically, I have 6 hard inquiries on XXXX  which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false  -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ^ XXXX XXXX   XXXX XXXX XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, Usa inquiry from XX/XX/XXXX XXXX XXXX   inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on TransUnion, I have 4 hard inquiries which are -XX/XX/Amazon- inquiry from XX/XX/XXXX -XXXX   XXXX- XX/XX/amazon XXXX, FL XXXX ( XXXX ) XXXX -XXXX- XX/XX/PublicAccommodations inquiry from XX/XX/XXXX XXXX XXXX- XXXX   XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX   XXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union charged off a previous account on XX/XX/XXXX ; however, the institution has never provided me with a copy of the XXXX demonstrating they wrote it off and or collected an insurance claim for that account. Navy Federal continued to report the account for late payments; late payments reporting begun XX/XX/XXXX- currently, which has significantly damaged my credit and continues to damage my credit. 
According to the Internal Revenue Code ( IRC ) Section 6050P : This section requires financial institutions to file a XXXX form for each debtor for whom they cancel a debt of {$600.00} or more and provide a copy to the debtor. Navy Federal never provided XXXX and they have continued not providing a copy of the XXXX. 

Fair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681 et seq., requires financial institutions to provide accurate information to consumer reporting agencies and investigate disputes regarding inaccurate information. 
In XXXX XXXX XXXX, the XXXX held that financial institutions must comply with IRS reporting obligations. 
In XXXX XXXX XXXX XXXX in this case, the court denied XXXX XXXX XXXX motion to dismiss a complaint alleging violations of the Fair Credit Reporting Act ( FCRA ) when the bank issued a XXXX but continued to report the debt as outstanding. This case highlights the importance of accurate reporting, practices and investigation of disputes. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : This section of the FCRA outlines the rules for the accuracy and fairness of credit reporting. It requires that negative information, such as late payments, charge-offs, and collections, be removed from your credit report after 7 years.

15 U.S.C. 1681c : This section specifies the types of information that must be removed after a certain period, including bankruptcies ( XXXX XXXX for 10 years and XXXX XXXX for 7 years ). 

15 U.S.C. 1681i : This section provides consumers with the right to dispute inaccurate information on their credit reports and requires credit bureaus to investigate and correct any inaccuracies.

15 U.S.C. 1679c : This section requires credit repair organizations to inform consumers of their rights under state and federal law, including the right to dispute inaccurate information and the time frame for the removal of negative information. 

Navy Federal has violated everyone of those statutes mentioned above, and they have continued to do so. They have no regards for the laws that governed this country as well as the laws that protects their customers. Navy Federal have repeatedly committed fraud without being held responsible.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Deletion of Fraudulent Information To Whom It May Concern, I, XXXX XXXX, am a victim of identity theft. The fraudulent information on my reports has severely impacted my ability to obtain loans. I request the immediate removal of all unauthorized and fraudulent records from my file. 




Fraudulent Company Dispute : Chex Systems Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Credit Acceptance over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that credit acceptance was reporting that account as a collection  account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until credit acceptance updates my report to reflect my account paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/2020 Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.
Product: Checking or savings account

I have a account with XXXX. They OWN XXXX. I tried to sell something on XXXX but never managed to do so. However, I DID have 2 people try to scam me, pretending to buy my item and then trying to fool me into sending them money. 

XXXX has considered that a sale and is trying ot bill me for it, even thought i did not ACTUALLY sale anything. They hit my paypal account and withdrew the money, I don't keep any money in paypal so they reaching into my real account and took it. 

I bank with XXXX and they got my money back. Now, XXXX keeps bothering me for money AND paypal has limited my account so I can't use it to also pressure me to give them money. I don't want to link my accounts with them, they are not trustworthy, but they won't unlimit my account till I do. 

This is like wire fraud/theft. They won't stop bothering me and won't stop going after my money. I've talked to XXXX twice now and although they pretend to have fixed the problem I STILL get notices from them saying I owe them. 

Paypal has a clear conflict of interest in this matter ( they OWN XXXX ) since they didn't protect me at all from this, but instead went after my money even though they had no right to do so. 

THis is the 4th time I have had them limit my account and insist I " verify '' my information. What right do they have to do so? They don't need to see my other bank accounts when they want to " verify '' me. Its not MY info they want! its my banks info. What the XXXX? Its like a scam.
Product: Debt collection

I have requested monthly statements be provided by the company but they failed to respond.
Product: Checking or savings account

TD Bank is giving me headaches. I put in a dispute for charges that were suppose to be funded back to me. Apparently, I won the dispute against the merchant and was credited back {$100.00} into my checking account. I already had an overdraft for something I'm taking responsibility for. So I see another debited transaction for {$100.00}! I called the customer service to figure why I now have - {$220.00} in my checking account. Apparently the dispute department credited me {$100.00} twice!! Which I didn't know and held liable for something that was their mistake and not mine! Now I'm held responsible for their mistake!!! Is this fair? It sure not!!! Someone screwed up their job and I'm scapegoat for it!! I'm seriously considering taking my business elsewhere because this is ridiculous!!!!!
Product: Credit reporting or other personal consumer reports

Account open in I'd theft in my name disputed this numerous times no results from a loan shark of a company i request video of who signed a contract with them who pulled my credit name of salesman what was bought where took place so everything can be put in a law suit all involved i sent in proof police report loan shark of copy still will not remove
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681 section XXXX A. Status I have the right to privacy 15 U.S.C 1681 Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report counting 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 XXXX years. 

15 U.S.Cs-2 ( A ) ( XXXX ) 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: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX, cashcentral withdrew {$610.00} from my checking account. I revoked all ACH transactions on XXXX/XXXX/XXXX. I called the company and they agreed to return my money because I had revoked ACH and they went against it. I called them on XXXX/XXXX/XXXX. I have been calling everyday since then to figure out when my payment will be refunded. They had me send them a bank statement showing it cleared, which I did on XXXX/XXXX/XXXX. I can not pay my rent due to this mess up. I am going to get charged late fees and essentially kicked out of my home because of this. I just want my refund.
Product: Debt collection

Credit control this will be my last warning to you before taking legal action whenever you provide an ICD9 code and current procedure terminology Which is a coding system design for the medical diagnoses and procedures you on your company letterhead sent out what you called a debt validation I have the paperwork that you provide it to me via US mail I will be reaching out to an attorney on Tuesday to take the necessary actions you have a happy and safe memorial day weekend and you will hear from me very soon I promise you thanks credit control!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was double charged XXXX by TransUnion for a subscription I did not want. I just wanted to check my credit score with them and that's it. Please let them know how displeased I am about this.
Product: Vehicle loan or lease

Account : XXXX VIN : XXXX - 2019 XXXX XXXX XXXX XXXX : I am writing to you in hope to get some help! 

End of my lease on a vehicle from VW Credit , Ltd and paid off was sent over 9 weeks ago and have not received my title! 
How does a company such as VW is not held accountable for their actions, when received consumers fund and not processing the rightful owners title in a timely manner? 
Attached please see the documents that reflect my complaints. 

What would happened to many consumers who do not have the means nor the language ability to reach out for help and protection? Where do these consumers stand? and who will speak out on their behalf? 

Many thanks in advance for taking to time to view our concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX XXXX
Product: Debt collection

On XXXX XXXX I called Resurgent Recievables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ordered them to cease and s desist they said they had resciwved my mail because she asked if I wanted to lift the cease and desist. I said No why would I at that time knowing they had my mail I sent they were still reporting on all three credit agencies, XXXX, XXXX and XXXX XXXX as I look today on XX/XX/2023. They removed XXXX and XXXX XXXX file but they left XXXX file heres the proof in screenshot I am sending them XXXX bill and to their Secretary of State Im tired of not getting paid from these corporations and they violate us everyday You know they do. I have yet to get any payment so I will take this into my own hands since I never get a check from cfpb for this usury and fraud that goes on daily the American people are becoming aware of all the fraud in the government. Not all but most especially the fake court judges and their policies. I demand payment what more proof so I need
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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: Payday loan, title loan, or personal loan

I made application for a personal loan with Navy Federal Credit Union. Navy Federal Credit Union denied a loan that was essential to the Consumer. They took the funds under cozenage. I would like to invoke my arbitration right against Navy Federal Credit Union. They have conspired against me with the use of deception which serves as a breach of trust and identity theft.

Upon acceptance of the Consumers Source Data that created the securities and interest with Navy Federal Credit Union, dividends were to be electronically transferred back to the Consumers Estate. The investment that was made by the Consumers Source Data with Navy Federal Credit Union were hidden clandestinely from the Consumer and stored in a retirement fund for insurance by Navy Federal Credit Union.

I want to see where the funds were deposited. The Consumer Signature is valued at XXXX USD as required by Navy Federal Credit Union. 
According to 15 USC 1681a ( k ) ( 1 ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX **** Balance Owed : {$340000.00} XXXX XXXX **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Credit card or prepaid card

To to Whom it may concern, I had a capital one spark business account opened since XXXX. I have never been late or defaulted. After a recent payment of paying the balance in full I noticed this card was closed with no notification!! I went to make a purchase on my card and noticed it was a restriction on the card and that I could not use it. 
After I called capital one centers and was told by the representative/ manager ( XXXX ID # XXXX ) that the card was closed because capital one said that I fail to verify myself with my TDL and SSN. Customer service agent said a letter and email was sent to me in XXXX of XXXX that I never received! 
I did verify my email and mailing address that was on file and it was correct but I don't understand why I didn't receive email nor letter. I pride myself on this account never being late or bad pay history. I am very upset and this is very hurtful from a credit prescriptive because my score that I worked hard for fell more than 70 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Equifax delete all 22 inquiries on my credit report to be removed. I wrote a dispute letter sent certified mail and it was received on XX/XX/21. It has been over 30 days and they have not been removed. this is my second CFPB complaint I also called them on XX/XX/21 and spoke to fraud department and requested that they removed them. they stated they requested for all 22 inquiries be removed. they said it will take 3 to 4 business days to be removed and it still has not been removed. I informed them that filed complaint with FTC and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since the state of Florida went on lockdown from the Corona Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the Consumer Finance department is getting overwhelmed with complaints. I have  waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice of my intent to dispute the accuracy and completeness of these unfamiliar entries currently reported under my name in your credit database.