23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

NOTE : Please don't respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.
Product: Credit reporting or other personal consumer reports

Fraudulent collections account stopping me from getting a house for my family.
Product: Credit reporting, credit repair services, 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 # XXXXXXXX XXXX XXXX # 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 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 reporting, credit repair services, or other personal consumer reports

This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you
Product: Checking or savings account

I was charged 2 {$24.00} fees on XX/XX/XXXX I did an internal transfer the same day XX/XX/XXXX but the transfer posted with a XX/XX/XXXX date.. 

I sent a chat on XX/XX/XXXX requesting the fees be waived the rep advised there is a XXXX cut off and the transfer was completed after that. I advise I was unaware of the cutoff time and asked to speak with a sup so I can request a 1 time courtesy. The chat agent said she was the supervisor l. I asked for her title she said member services contact specialist I I was expecting team lead or supervisor. I believe she was being misleading and did not give me the opportunity to escalate my request
Product: Credit reporting or other personal consumer reports

I decided to start building my credit because I had just recently became a new mom and was trying to get the process to build my credit so in the near future I could soon purchase my first home for my family.i got a copy of my credit report and realized I have a collection from my old apartments. it said I owed them {$4300.00}. which I didn't because I finished my lease. when I tried to reach to the apartment complex, they said the were just bought out from another company and couldn't help me fix this issue.
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  on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/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 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 reporting, credit repair services, or other personal consumer reports

Experian continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : DISMISSED Experian continues to list the dismissed bankruptcy on my credit file. Experian 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. <P/>However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. <P/>Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Experian has no right to maintain information which the government has deemed nonexistent. <P/>Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. <P/>This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit card or prepaid card

In XX/XX/2022 my lawyer sent a chek for me to send to Sear Citibank for payment. Sent the check XX/XX/2022 called Sears citibank in XXXX to see why the funds had not been applied to my account. I was told there was never a check sent, then the check could not be located. Called again in XX/XX/2022 to have an investigation opened sent check info requested never heard from the bank. In XXXX I called the bank said just let the check expire and have it reissued. 
It is now XXXX 2022 called Sears Citibank to inquire I was first denied access to fraud department by XXXX XXXX customer service agent then she let me wait on hold for about XXXX mins then said I can't hear u and hung up. Called fraud department and after being told they could not find a check after giving them the check # she said she was calling her supervisor who said they could not locate a check and my case was close.
Product: Credit reporting or other personal consumer reports

This is under my collections. It's on my account, trying to remove. XXXX XXXX investment. XXXX XXXX XXXX XXXX XXXX info but it on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir : I had a previous BJ 's Credit Card issued by Comenity Bank. At some point in XXXX I realized that Comenity bank was going to drop their BJ 's Credit Card Customers and transfer their association with BJ 's to XXXX XXXX XXXX.At this time I closed my BJ 's Comenity Bank Credit Card and paid my bill in full.

After I closed my account I began receiving Bills from Comenity BJ 's that I owed a small amount of money which I did not believe I owed. I sent Comenity Bank a letter hat I disputed the amount owed and wanted their subsequent notice that this amount was in dispute. 
In XXXX of XXXX Comenty Bank transferred {$130.00} bill over to XXXX XXXX XXXX XXXX new Credit Card which hey had sent me to activate for purchases.I did not activate his card and after contacting XXXX XXXX XXXX they reduced the amount owed by taking off {$40.00} which was charged for late fees.The {$130.00} which Comenity Bank states I owe is made up of late fees and interest fees and not any purchases I made on the Comenity Bank BJ 's Card.Thank you for your consideration in this matter.
Product: Credit reporting or other personal consumer reports

XXXX is reporting them on credit and I was never notify by them or XXXX or given the chance to dispute the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unsafely stored my personal information without my knowledge and now can not determine if my information was stolen in a recent breach of their systems/databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon looking at my credit report i notice some fraudulent accounts and inquires i have reach out to have these fix but the problem was not fixed
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 lagging posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite having funds available initially. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Report Act, XXXX  account # XXXX XXXX ( DP OF EDUCATION ) has violated my rights. 15 U.S.C 168 Section 602 A states I have a right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumer reporting agencies can not function my accounts without my written consent.
Product: Mortgage

EverBank, Who is the Lender violated the truth of lending by appropriated my credit card money used to lock interest rate. We had agreed that this money about {$3700.00} would be returned back to us the way it was paid because FHA regulations couldnt accept any portion of credit card money to be used for any process during the closing. 

Strange enough, during the day of closing, EverBanks Manager XXXX XXXX XXXX, on XX/XX/XXXX, 2017 ( closing day ) wrote back to me to confirm that my credit card money has been processed and I should be getting my money back within few days. 

Later on, they have changed the story to inform me that that portion of credit card money ( about {$3700.00} ) has been used for closing, somtihing Opposite of what we have been advised, something violated truth of lending and possible violated FHA regulations to use credit card money for closing.
Product: Credit card

I found fraud on the credit card myself and my daughter share. Yesterday I spent over a hour on the phon with 2 reps and 1 manager 2 times I was disconnected and customer twos sai they needed authorization from manager. Manager was rude and did nothing for me and she hung up on me not wanting to deal with problem. All I wanted was these charges off to file a claim and get new cards. No one cared. Is this how they conduct themselves. I do n't know what to do. HELP! XXXX and XXXX. Account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I have an ID theft report that shows I don't ask for these inquiries. The inquiries are : XXXX  XXXX XXXX DATE XX/XX/XXXX, XXXX  XXXX XXXX DATE XX/XX/XXXX, XXXX XXXX DATE XX/XX/XXXX AND XXXX XXXX XX/XX/XXXX. This is not mine, please delete it from my credit.
Product: Vehicle loan or lease

In XX/XX/XXXX XXXX  my husband and I moved to XXXX from XXXX I registered my XXXX XXXX ( leased from Kia Finance America ( KFA ) ) and paid all taxes and fees including the {$250.00} Highway Use Tax. 

In XX/XX/ KFA began charging me {$28.00} per month to reimburse them for XXXX Sales Tax. I have called multiple times and written numerous letters explaining that XXXX  Sales Tax is called a Highway Use Tax ( HUT ) and is limited to {$250.00} for vehicles being relocated to XXXX  from another state ( see attached document from the XXXX DMV website ). This has been verified through conversations and emails with XXXX DMV ( attached ). 

To date they have insisted that I owe them the tax but XXXX DOT has no evidence of any tax being paid to them on my car nor do they show any tax owed. In fact, they have confirmed that no taxes are owed until I renew the registration next month. 

I feel like Kia is collecting this 'tax ' to keep for their own profit and assume since they call it a tax people will not question it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXX  XXXX Ohio XXXX 2 & 3. XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX None of these inquiries were made by me and XXXX, and Experian are saying that i need to file a report with you all to prove that it was not from me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX. 

XXXX XXXX reports that I owe an an amount due of : {$170.00}, {$75.00} of which is the original amount and the rest being interest. I have not been sent proof of this, though it has been requested previosuly XXXX XXXX required that I put down a deposit of {$200.00} and when asking a representative of XXXX XXXX on a recorded phone call they stated that this deposit was not applied to the amount. There is no mention or notice of XXXX XXXX forfeiting their customers deposit without application to debts and is very intentionally misleading and/or even malicious as XXXX XXXX is intentionally reporting derogatory marks on my credit history without having applied the deposit I was lead to believe would cover a CREDIBLE debt on the credit should it not be paid at an appropriate time I believe there is a misreporting of the amount owed; XXXX XXXX Reported : {$170.00} owed to them however I believe this amount is not only incorrect, XXXX XXXX stated on a recorded line that they did not use my deposit of {$200.00} and stated on a recorded phone call that they will not use or return my deposit. XXXX XXXX is intentionally misleading customers, taking their money and negatively affecting credit even when I have repeatedly called XXXX XXXX and tried to work on a solution with them. 

As such I am now requesting XXXX XXXX, XXXX, XXXX and TRANSUNION provide me with detailed proof of the debts including specific information such as date and times of purchases, amounts for each purchase, location of purchase. I am also requesting XXXX XXXX return my deposit of {$200.00} or apply it to my supposed debt of {$170.00}. As a gesture of goodwill in the case of the latter I will consider the {$25.00} owed to me as unneccessary to return, if not I request the return of the full {$200.00} deposit. 

ADDITIONALLY I am requesting that these derogatory marks and items be removed entirely from my credit report ENTIRELY, including but not limited to removal from XXXX, XXXX and TRANSUNION. 

Please investigate this matter and please send me proof of debts, a return of deposit and/or application to any credible existing debt and delete the disputed and/or deragaotry item ( XXXX ) as soon as possible. appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you
Product: Debt collection

XXXX XXXX XXXX repeatedly called me and used abusive language stating I owed a debt to them. I requested formal email communication regarding the debt and evidence that I owed the debt. They did not send me any communication related to the request and then sold the debt to Credence Resource Management. I filed a complaint against Credence Resource Management for this same thing ( CFPB complaint No. : XXXX ). Please see the print screens attached herein.
Product: Credit reporting or other personal consumer reports

Capital One is currently in default ( see attachment for the notarized Affidavit of Default/Final Judgement/ Res Judicata dated XX/XX/2023 ) for violation of Capital One Cardholder Agreement and for violation of multiple Uniform Commercial Codes as well as the law. 
Capital One continues causing injury to me, the living woman, and the customer of Capital One by refusing to remove the outdated information from the credit score reporting agencies that they have NOT received my written consent to share such information in the first place. 
Moreover, information that Capital One keeps reporting to the agencies is not valid, nor do they have any right to report something they are in default for. If this illegal and unlawful activity continues then I will have no other choice but to report this criminal activity and to request remedy using my " Fee Schedule - Notice of Intent '' that I previously provided to Capital One and personally to XXXX XXXX, XXXX XXXX XXXXXXXX at Capital One Corporation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc., ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CGPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Someone has my information & tried to use it, and Im worried about identity theft. I Tried serval times to dispute accounts with credit bureau.According sec 15 USC 1681 ( A ) ( 4 ) Consumer right to privacy 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

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