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

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I discovered that part of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to verify certain items. It is not allowed to report these items as unconfirmed information within the legally allowed time range without providing any supporting documents. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Vehicle loan or lease

I was granted a car loan by Lobel financial located in XXXX  Ca. Unfortunally i was maybe a month behind on my payment & I was XXXX  & car impounded. I was told by XXXX XXXX XXXX  my car was lon a 30 day hold, so on the 28 day ( at this point i was XXXX XXXX XXXX XXXX  ) i went to the tow yard to figure out how mulch of a loan it would take to get my car out. With all the unethical charges tow yards are allowed to pass on to the consumer, anyhow the tow yard employee advise me that lobel came & repoed my car and all my belonging that were in the car i would have to pay an unethical fee to get that i out. which happend to be my trade tools for work, which i had been fired from. so since i used every XXXX to bail out to try & keep my job i could noy pay the fee to get my work tools out. so LOBEL had been reporting my loan as charged off BAD DEBT every month for almost 2 years? and recent they pulled a copy of my credit report. how can this be legal. please help. XX/XX/2021.
Product: Credit card

CapitalOne sent us a text/email reminder at the same time about a transaction that was attempted to be completed on XXXX of the authorized users " cards ''. The problem with this the authorized users on my account do n't have a card. We even asked the specialist on the phone to confirm this information. Once we received this information we asked the employee how is it possible for someone to use this card if XXXX does n't exist ( XXXX card numbers are different for each XXXX ). They then began to explain that the information could have been used online without a card being there. Although this did n't answer the question due to the fact that the information for this card number does n't exist anywhere but within their own services and systems. They were unable to explain how this information could have been received or taken. This could only lead to XXXX overall situation and that 's the information was taken from them due to no other individuals having this information. This is a serious breach of privacy and most importantly credit damaging information. How can we let a company continue that does n't protect their customers and has continue to how their incompetence to the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REFERENCE TO XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion would not let me freeze my report for days while my information kept being used to try and open fraudulent accounts and when I called and messaged them they refused to be any type of help although I offered to submit my ftc report along with other documentation that the situation had been happening and that those items in my credit file where a result of it. Not only is this situation extremely stressful and nerve wrecking because its messing with my life but to add on the people that are suppose to assist along with their website are making things even worse and have their websites down for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, XXXX continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
Product: Money transfers

On XXXX XXXX I went online and made a payment to my Paypal Extras Mastercard in the amount of {$490.00} using my checking account debit card as the payment source. I later learned while reviewing my checking account statement that the amount posted to my account for this transaction was {$600.00}. I researched the transaction and discovered that what Paypal did is modify my payment amount without my knowledge or consent. My Paypal account ( not really related to the Paypal Credit Card which is owned and managed by XXXX XXXX ) had a negative balance of {$110.00}. To bring this out of negative status Paypal added this balance to the payment amount I selected and charged the new amount instead of the amount I chose. I notified my bank and wrote a letter to the Attorney General Office of NYS who then forwarded my complaint to Paypal for a response. Paypal indicated in their response that the Paypal User Agreement granted them prior authorization to make this change and so they were acting within their rights. After reviewing the User Agreement and response from Paypal this is absolutely not the case. Paypal acting solely upon their own discretion posted a charge to my bank account that was greater than the amount I permitted. I 'm hoping the Bureau of Consumer Financial Protection can help me bring justice and stop Paypal 's illegal billing practice from happening to other users.
Product: Vehicle loan or lease

On XX/XX/2019 my XXXX  showed a hard inquiry to my credit file from the company stated above. I didn't request in writing, in person or over the phone to have my credit ran for any type of credit. Company stated above also sent personal loan information such as amount owed on my loan to my mother. They also called her multiple times a week and would give her information regarding the amount owed on my loan without my permission. I never gave this company my permission to run my credit on XX/XX/2019. I also never gave them permission to to disclose my account number, money owed or payment history with my mother written or verbally.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account XXXX, XXXX XXXX Account number, XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$730.00}XX/XX/XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX+ open end consumer credit plan as late for anv purpose.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX ( Auto XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that were previously disputed but have since been verified or reinstated on my credit report without proper investigation. I believe these actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( B ).

Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information to determine its accuracy. Furthermore, under Section 611 ( a ) ( 5 ) ( B ), any information that can not be verified after a proper investigation must be deleted or corrected. The accounts in question were reinstated without me being provided evidence of their verification, and no substantive investigation appears to have been conducted. 

According to the Consumer Financial Protection Bureau ( CFPB ), several credit reporting agencies, including XXXX, have been penalized in the past for failing to comply with these FCRA requirements. Specifically, the CFPB has taken action against agencies that rely on automated processes rather than thorough investigations, thereby neglecting their obligations under the law. These violations undermine consumer rights and lead to inaccurate credit reporting. 

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer. 

Here are the accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two update letters to TransUnion, XXXX, and XXXX to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.
Product: Credit card

As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulations was sent XX/XX/2023 RE : XXXX XXXX XXXX XXXX notice was sent XX/XX/2023 RE : XXXX XXXX XXXXXXXX XXXX was sent XX/XX/2023 RE : XXXX XXXX XXXX Acceptance of Discharge was sent XX/XX/2023 RE : XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX Debt assignment was sent XX/XX/2023 RE : XXXX XXXX XXXX Rescission of signature XX/XX/2023 Cert # XXXX XXXX XXXX XXXX XXXX XXXX Exoneration of debt. XX/XX/2023 It was never my intention to be a part of a trust whereby I would not be the beneficiary. 
To date CHASE has not sued the debtor therefore I am exonerated from the debt
Product: Checking or savings account

I am writing to submit a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Although sufficient funds were available when the transactions were initially authorized, I was charged fees due to delays in the posting of charges and credits. This issue reflects recent findings by the CFPB against Navy Federal, which highlighted similar practices where transactions settled with insufficient balances, even though funds were initially available. I believe these actions are unfair and request a thorough review of my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX BMO Harris Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The only banks I bank with are XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit card or prepaid card

Informed Barclays on multiple occasions - beginning in XX/XX/2018 - that XXXX XXXX  card was fraudulently opened in my name. Barclays refuses to close card and turned it over to collections. 

Multiple other credit cards were fraudulently opened in my name in summer XXXX and all were closed.
Product: Credit reporting

I 'm a victim of identity theft and recently called Equifax 's customer service and requested an identity block of negative information on my credit report that was due to identity theft. I requested a supervisor and she told me that " We do n't do that at Equifax, we do n't block information and only the creditor can request that ''. I know this is not true so I am registering a complaint for failure to block information that has been asserted to have resulted from potential identity theft, and for which I have filed a police report and thus complied with the provisions of section 605B. 

I relented and told her that this was a violation but she said the only thing they could do was dispute the items and do an investigation. But I 've disputed around a dozen times and there has been no progress or REAL investigation done. This is the reason I filed the police report in the first place. I have done everything required to fulfill my obligation to request this block, and their refusal is in clear, and willful violation of FCRA 605B. 

To verify what I am saying, I am enclosing a copy of my Identity Theft affadavit filed with the FTC, a copy of the police report, and proof of my identity that I have already sent Equifax. Any support from you would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting COAF, who appear on my credit file as COAF XXXX Tx, XXXX ( XXXX ) XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. they are a result of fraud.
Product: Mortgage

Since XX/XX/year>, New American Funding ( NAF ) has been erroneously reporting a loan in default to credit reporting agencies. I have made an astonishing 36 phone calls to NAF in an effort to address this critical error. Each time, I was assured that a supervisor would return my call, yet not a single callback has been received. On XX/XX/year> NAF finally acknowledged the error in writing, stating that they had been reporting " inaccurate information to the credit reporting agency. '' However, despite this admission, NAF has continued to report the incorrect information, compounding the negative impact on my credit. Over the past two days, I have had conversations with three different representatives from NAF : XXXX, XXXX, and XXXX. Unfortunately, each interaction has led to a frustrating and unproductive cycle of the same information. All three have claimed that my account is past due, promised that a supervisor would return my call, and subsequently failed to follow through on that promise. To clarify, I have never received a phone call from NAF regarding this matter. The impact of NAF 's mistake extends far beyond mere inconvenience. It is actively damaging mine and my wifes credit score and, by extension, our financial wellbeing and future opportunities.
Product: Debt collection

I received several letters and invoices from portfolio recovery stating that I owe {$3200.00} and that they illegally brought debt from XXXX  XXXX. I sent XXXX XXXX and portfolio recovery numerous letters letting them know that the debt does not belong to me. XXXX  XXXX sent me a letter stating that " they sold my debt to portfolio recovery and that i should communicate with them '' even after i told XXXX  XXXX " why would they sell debt to portfolio without my knowledge and without investigating if the debt belongs to me or not?. This is wrong and several violations. This debt does not belong to me. I let portfolio and XXXX  XXXX know that i never opened up an account in 2016 with XXXX XXXX. and that this is a mistake in identity theft but portfolio recovery keeps sending me letters in the mail with payment history stating this is me and i have told them it is not. I also told them that i am aware that XXXX  XXXX had a major data breach in 2016 that affected millions of Americans and that this could be a result of that and portfolio recovery keeps harassing me about the same thing over and over again. I also let Portfolio Recovery know that I am aware and that I have done my research on them and that " they have been sued many times from people all over due to lack of proof and for harassing people without finding out if the debt really belongs to the person. Portfolio recovery has been sending me countless things in the mail even though i have sent them numerous letters stating this debt doesnt belong to me. This is harassment,