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

I looked at my report back on XX/XX/, and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name : XXXX  Acct # XXXX ] are not complete and accurate, [ Name : XXXX XXXX XXXX Acct XXXX XXXX ] are not complete and accurate, [ Name : XXXX XXXX XXXX XXXX Acct XXXX : XXXX ] are not complete and accurate [ Name : XXXX XXXX XXXX XXXX Acct XXXX : XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct XXXX XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct # : XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct # : XXXX ] [ XXXX  XXXX ] date last active is not reporting correctly, date of last payment is not correct, last reported date is not correct, high credit is not reporting correctly, this account is absolutely not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date of last active is not correct, last reported date is not correct, high credit is not reporting correctly, this account is not accurate. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance not reporting correctly, last reported date is not reporting correctly, last date active not reporting correctly, date of last payment not reported correctly, this account is not correct. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance is not reporting correctly, Number of months ( terms ) not reporting correctly, past due not reported correctly, payment status not reported correctly, last reported not reported correctly, date last active not reported correctly, date last payment not reported correctly, this account is not correct. 

[ XXXX XXXX XXXXXXXX ] date opened is not reporting correctly, last reported date is not reporting correctly, date last active is not reporting correctly, this account is not correct. 

[ XXXX XXXX XXXX ] open date not reporting correctly, no of months ( terms ) not reporting correctly, last reported date is not reporting correctly, date last active not reporting correctly, date of last payment is not reporting correctly, this account is not correct. 

[ XXXX XXXX XXXX ] open date not reporting correctly, no of months ( terms ) not reporting correctly, last reported date not reporting correctly, date last active is not reporting correctly, date of last payment is not reporting correctly, this account is not correct. 

I sent numerous letters via Certified Mail to Equifax on XXXX tracking # XXXX and another letter on XXXX tracking # XXXX asking Equifax to reinvestigate the completeness and accuracy of the accounts listed on my report but Equifax is making it hard for me to submit my disputes as they keep asking for additional documentation for verification and stating that I sound like a credit repair company. This has been going on for now a total of 2 months now going on 3 months. 

Can you look into this problem please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion about inquiries that's on my credit report they did not want to help me I typed up removal letters twice and sent them in the first time I sent it in the removal letters they removed all of them and the next day they put 38 more on my credit report the second time they refuse remove them I did the same approach I typed up removal letters and they do not want to remove them and they won't reach out to none of the creditors they say it's my job which I have and I'm telling TransUnion don't none of them have my authorization or my signature to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED AND SPOKE TO SOMEONE FROM EQUIFAX ABOUT A TWO MONTHS AGO ABOUT THESE FRADULENT CHARGES ON MY ACCOUNT. THEY HAVE YET TO REMOVE THE FOLLOWING : XXXX IN THE AMOUNT OF {$1200.00} FRADULENT OPENDED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX  IN THE AMOUNT OF {$290.00} FRADULENT OPENDED ON XX/XX/XXXX. I HAVE FILED A COMPLAINT WITH IDTHEFT.GOV AND WITH MY LOCAL POLICE DEPARTMENT! HAVE THESE ITEMS REMOVED ASAP. FOR THIS HAS CAUSED MY JOB NOT TO BE ABLE TO ADVANCE ME TO HIGER POSITIONS. I AM EXTREMLY UPSET AT EQUIFAX FOR NOT REMOVING THIS INCORRECT INFORMATION! TAKE THE INCORRECT ITEMS OFF ASAP! I HAVE ATTACTED MY POLICE REPORT AND MY COMPLAINT WITH ID THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$890.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$960.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}. Please update.
Product: Credit reporting or other personal consumer reports

I was notified a late 30 day payment was added to my credit report after I paid the loan off on XX/XX/year>. Affirm is reporting to my credit report, loan is still open and loan is paid off. I contacted Affirm to inform them I was impacted by Hurricane Helene significantly and my area was declared state of emergency. I was out of electricity for over a week during the time, Affirm is stating payment was due. I supplied supporting documents.
Product: Checking or savings account

I am writing to file a complaint to Navy Federal Credit Union bank due to multiple overdraft fee charges. I had enough funds when buying items but later on was charged overdraft fees due to the account not posting correct current balance. My issue pertains to the CFPB findings against navy federal which are exactly what Ive experienced. I believe this is not right and not just and demand further investigation of my account, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX via email on several occasions to discuss the erroneous reporting of inaccuracy on my credit profile that has caused my credit report to suffer 25 points. The bureau ( Experian ) did an investigation and XXXX XXXX XXXX has verified and certified that on XX/XX/2021, my account was included in a bankruptcy. I am requesting XXXX XXXX XXXX to show me proof on where they have obtained this information. This is a complete violation of the FCRA. I will be contacting the XXXX  and showing them the erroneous information that you have reported on my credit profile and you're continuing to LIE by saying its valid and accurate. Why is the account showing a balance? Why was the last reporting of a negative remark made on the credit report in XX/XX/2021? I will be suing you and the credit bureaus.
Product: Checking or savings account

Huntington Bank in XXXX, WV is taking me to court over a checking account that was closed 7 years ago, they are saying the account was closed due to being overdrawn and they were assessing daily interest they are requesting a judgement of over {$1200.00}. I have received no calls, no bills, nothing in 7 years. I am working on student loans and with a consumer credit counseling agency currently as well as have had loans within this 7 year time and have a checking account I have never been told I owe this bank money until Im taken to court. I have not been contacted by the bank or heard anything of this until a process server contacted myself and also my father and scared both he and I. I have not received a call, a letter, nothing! is there not a statue of limitations? This was not a credit card but a checking account? Why havent i received a statement? Or a notice?
Product: Student loan

I have ask XXXX XXXX XXXX to remove all inaccurate late payments since XX/XX/XXXX all the way to now. They have not provided any verification shows the inaccurate late payments since XX/XX/XXXX all the way to the date of this compliant which today date is XX/XX/XXXX. This compliant came be solved by updating all inaccurate late payments to on-time positive payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that the charge-off Cis being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card

My name is XXXX XXXX my capitol one credit card account was closed for no apparent reason by merchant. I followed up with the merchant on XX/XX/year> that particular department was closed. I then contact them back on Monday XX/XX/year> and learned the account was closed and they were not able to provide valid reason to why the account was closed. I received generic conrrsponsdemce in the mail stating '' Capitol one has observed activity on one or more of your capital one accounts that is inconsistent with typical customer account usage '' which make no sense. I paid my account in good standing each and every month. And, was told my account could not be reopened. Which this caused my credit score to decrease tremendously as showing on my credit report as closed account by merchant. I was also a authorized use on another account of family the removed me from the account also. ending XXXX. 

My account ending XXXX I can be reached at ( XXXX ) XXXX. I would like this to be reviewed under investigation.
Product: Vehicle loan or lease

Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. 

The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. 

I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.
Product: Credit reporting or other personal consumer reports

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized XXXX  party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legit obligation under the fair credit reporting act to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer
Product: Credit card

I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block/delete 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 accounts listed below 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 ( Inquiry ) These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, 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: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely Experian, XXXX and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my Equifax report that is with XXXX XXXX. The account is listed as follows : Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner JOINT Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name XXXX is reported as " closed '', but it still reporting a monthly balance, etc. This is inaccurate. The account is also opened as a result of fraud. The account was opened while I was away XXXX XXXX There was no way I could have opened the account. I was XXXX XXXX for the period the account was first opened. Please check the attached documents and remove the account from my report.
Product: Debt collection

Citibank held two of my accounts that were both sold to Cavarly Portfolio Services ( possibly to XXXX XXXX XXXX and others that have tried to collect ). Cavalry Portfolio assigned these debts to XXXX XXXX XXXX and XXXX XXXX firm. A few years ago an incident happened where when I was dealing with these entities somebody showed up to my house knocked on the door and was irritated when there was no answer so they went to ask the neighbor if I lived there. After they got their answer they left sensitive personal information posted on the garage door with a threat if I didn't call them my private information was going to be left in a gas station or listed on the media ( Newspaper ). This incident was witnessed by several neighbors and a video of the guy still saved on my phone to this day. This was reported but XXXX XXXX XXXX stopped communicating with me after. XXXX XXXX XXXX on the other hand used excessive means like calls, abuse, intimidation, Filling lawsuit on debt collection ( more than three times ). Last one was done on XX/XX/XXXX both sent to me by mail and email, filled by XXXX XXXX and looked like there was no judgement on the case ( improper notification and infringing on my consumer rights ). Not only that Citibank also misstated on the debts, one of them which was $ {$3900.00}, they were trying to collect {$8100.00} ( seriously ) but denied there was ever junk fees and wouldn't explain the other amount they were trying to collect but they forgot they sent me a letter before on XX/XX/XXXX that I saved that showed the break down. These entities have used some extreme measures of which some are considered illegal. Nobody should have to deal with the behaviors of any of these entities that wont even do investigation on any incidents reported to them but only choose to intimidate more and come after collections while breaking the consumer protection laws, the fair debt collection practices acts ( FDCPA ) among others. Documents included
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : REF Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

I gave proper notice to XXXX XXXX XXXX. What was left in the apartment wasnt mine because I turned in my key long before. They kept my first month rent and deposit. The apartments are uninhabitable because I went without a toilet for four months and they had no maintenance at the time. XXXX XXXX XXXX told me to move. They still havent showed actual proof of the apartment and what Im being charged for. The things they claim were in the apartment werent mine.