23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> Navy federal rewards card allowed the secondary person to make charges with my credit card leaving me with the debt to pay. I ask for the person to be removed from the card XX/XX/year>. However speaking with a representative she responded that the secondary person that has digital wallet they can't remove to from their in and this was giving the card holder to make purchases. Leaving me with a debt to pay. I was not aware of this and was charge incorrect balance and over the limit amount {$3500.00} when my credit limit for this card was only {$2000.00}. The account was charged off and removed to collections which they did not help me to resolve my issue being a victim of them allowing the other party to make purchases with the card when Navy Federal said they had block the card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX - ACCT # XXXX, XXXX XXXX XXXX ACCOUNT # 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, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file where I have not received a reply from the evidence presented on XX/XX/XXXX Trans Union Credit Report. 
You will also find this item circled on the attached credit report. The item I have identified is inaccurate because last payment made on XX/XX/XXXX for the amount of XXXX was with the intention paid off the account totally. I was offered a year without interests if I paid off the account during the established year. First payment was remitted on XX/XX/XXXX XXXX XXXX XXXX as part of the Installment Plan Program that included XXXX payments. During a call made to the Preferred Credit offices, the staff informed me that the amount to pay off the debt was XXXX so I proceed to issue that payment for the required amount. The payments report on my credit history are inaccurate.
Product: Credit reporting or other personal consumer reports

Federal student loan payments reported negative or missed payments during covid moratorium. I requested an investigation into the inaccurate reporting and was told the investigation was completed with no changes made.

Experian has failed to fulfill its legal obligation under the Fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer 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 the consumers of dispute outcomes. These failures sign 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 violates federal law and my rights as a consumer.
Product: Debt collection

Ive tried contacting the company through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put the same incorrect numbers back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
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 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 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 ) Sections 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 pf 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 or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX regarding collection accounts for which I sent a dispute letter over XXXX  days ago. Your company failed to meet the validation requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I specifically requested : An explanation of the account balance. Full payment history and audit trail. Documentation of my consent to this debt and its reporting. Proof of authorization to collect in my state. Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt. I also asked that your XXXX XXXX from your office Swear under penalty of perjury this corporation were present during the alleged debt which you nor I can validate because we were not present. None of these items were provided. Reporting inaccurate or unverifiable information is a violation of the FCRA and FDCPA, as is the furnishing of deceptive forms to create false beliefs about my obligation to pay. I demand the immediate deletion of the following accounts from my credit report. Failure to comply will result in legal action for monetary damages as permitted under federal law. XXXX XXXXXXXX
Product: Checking or savings account

My Name is XXXX XXXX I Have an checking account at Captial One 360 account number is XXXX had been frozen due to a {$100.00} XXXX payment that XXXX XXXX send me there is currently {$750.00} which they won't give access to because he report the XXXX payments of which done on XXXX XXXX, {$10.00}, XX/XX/XXXX, {$30.00} and XX/XX/XXXX, {$60.00} as fraud this been going on for over XXXX months i would like to have my money back everytime i call the protection number at capital one they give the same excuse we can't give a time as to when will be settled which there Investigation will be done and my money released
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXXXXXX XXXX XXXX  : Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

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

I consumer XXXX XXXX have been violated in several way by the referenced below companies. Pursuit to 15 U.S.C 6802 ( a ) The below listed companies had no right to disclose any non public personal information to non- affiliated third parties. Additionally I was not disclosed of my right to opt-out pursuit to 15 U.S.C ( b ) ( B ). As a federally protected Consumer I have a right to privacy, pursuit 1692 and anything I deem private is in fact private. According to 15 U.S.C 1681 a ( 2 ) ( i ) a consumer credit report should not include any consumer credit transactions. Transunion, XXXX and XXXX have also undermined me a consumer by reporting false and misleading credit information. Almost all of my credit balance are inconsistent, pursuit to 15 U.S.C 1692 e 2 ( a ). 

XXXX XXXX had no right to disclose non public personal information to a non affiliated third party pursuit to 15 U.S.C 6802 ( b ) 1. Additionally they were suppose to me of my right to opt-out pursuit 15 U.S.C 6802 ( b ) 1 B.

*There are several account on my Consumer report by this company, and I am required them to be removed immediately. * XXXX XXXX XXXX had no right to disclose non public personal information to a non affiliated third party pursuit to 15 U.S.C 6802 ( b ) 1. Additionally they were suppose to me of my right to opt-out pursuit 15 U.S.C 6802 ( b ) 1 B.

*There are several account on my Consumer report by this company, and I am required them to be removed immediately. * XXXX XXXX XXXX XXXX  had no right to disclose non public personal information to a non affiliated third party pursuit to 15 U.S.C 6802 ( b ) 1. Additionally they were suppose to me of my right to opt-out pursuit 15 U.S.C 6802 ( b ) 1 B.

TRANS UNION has been reporting false and misleading personal credit information and incorrect balances on my accounts, pursuit 15 U.S.C 1692 e 2 ( a ). Additionally, I XXXX XXXX never gave Transunion written instruction to furnish anything on my consumer report, Pursuit to 15 U.S.C 1681 B ( a ) 2. 

XXXX has been reporting false and misleading personal credit information and incorrect balances on my accounts, pursuit 15 U.S.C 1692 e 2 ( a ). Additionally, I XXXX XXXX never gave XXXX written instruction to furnish anything on my consumer report, Pursuit to 15 1681 U.S.C B ( a ) 2. 

XXXX has been reporting false and misleading personal credit information and incorrect balances on my accounts, pursuit 15 U.S.C 1692 e 2 ( a ). Additionally, I XXXX XXXX never gave XXXX written instruction to furnish anything on my consumer report, Pursuit to 15 U.S.C 1681 B ( a ) 2.

According to 15 U.S.C 1681 ( a ) 4 reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. However the complete opposite has been shown. 

As a federally protected consumer I am enforcing my rights, and if any of these companies choose not to comply they are civilly liable 15 U.S.C 1681 n ( a ) 1 A.
Product: Debt collection

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Product: Credit reporting or other personal consumer reports

Transunion is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX TransUnion is reporting XXXX XXXX XXXX XXXX on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my XXXX XXXX XXXX XXXX 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Product: Credit reporting or other personal consumer reports

Im writing a complaint because the agency is continuing to furnish invalid and fraudulent information onto my consumer report without my consent. Ive tried disputing but the agency doesnt accurately investigate. My finances have been damaged, im not able to be approved for anything for the fact that said agency will not cease to furnish inaccurate data onto my consumer report.

According to 15 U.S.C 1681i ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Two fraudulent bank accounts were opened in my name by Bank of America ( claims were filed for both ), despite a freeze on my SSN with the credit bureaus and a security alert placed on my identity with XXXX. They did not take the proper steps to verify my identity prior to opening the fraudulent accounts. When asked to speak with a supervisor to prevent this from happening AGAIN, they informed me it could be up to two business days. This is unacceptable given the sensitivity of the matter. 

The first account was opened on XX/XX/23. I called the customer service department and was told the account would be closed. I continued to receive emails regarding this account and called again on XX/XX/23. The first customer service employee I spoke to told me there were no open accounts and I had no reason to speak to a supervisor or their fraud department. I demanded to be escalated and their supervisor finally transferred me to the fraud department. The fraud department FINALLY confirmed for me that the account was not closed, as I was initially told, and that it was still open/active. I asked them to file an internal complain regarding both customer service representatives. 

A second account was opened on XX/XX/23. I called the customer service department who proceeded to close the account. I asked how their verification procedures could possibly let this happen again considering all of the security freezes and alerts attached to my information. Their response was that the fraudster created a new profile ( which clearly was still using my SSN and email, as the employee confirmed for me ) and SOMEHOW that allowed the account to be opened. I said that was unacceptable given the sensitive information they were using that should have been flagged in the system and I wanted to speak to a supervisor. They said the supervisor would tell me the same thing and I had to wait. After waiting at least 20 minutes, they said they would have to call me back. I asked how long that would take and they said up to two business days. I told them I would be filing a complaint. 

I have both BoA claim numbers and email evidence which can be provided upon request.
Product: Debt collection

There's a fly-by-night car rental company, XXXX XXXX XXXX, fraudulently using a debt collection company, Summit AR, to extort money from unsuspecting customers. I rented a car in XXXX. The car 's fuel tank was nearly empty. I filled it, at my own expense which made me late for my business meeting. I both called XXXX during the trip and also made them aware of their error when I returned the car. XXXX employees at the desk promised they won't charge for the returning the car with less than a full tank of gas. However, they did charge {$150.00} for a partial tank of gas that I was in the car in the first place. Summit AR claims they can't do anything but ding my credit report and extort money to remove it. XXXX refuses to even discuss the situation saying that only Summit AR can remove the fraudulent reporting once they get money.
Product: Mortgage

To : Shellpoint/Newrez RE XXXX XXXX & Acct : XXXX In response to your USPS Certified mail sent to me and dated XX/XX/XXXX. The slip for pickup dated XX/XX/XXXX and received on XX/XX/XXXX as your receipt will indicate. 
I should not need to contact Shellpoint for an exact balance due monthly. The exact should be denoted on the mortgage statement due for the following month. Is that not the purpose of a monthly statement? 
As you stated the correspondence is duplicative and you have responded. You did respond on the requested interest of payment for the flood insurance I made on behalf of Shellpoint/Newrez that was supposed to be paid from my escrow account. You made the payment two months later. Your responses have not satisfied inquiries and the requested supported documentation. Therefore, it will be duplicative inquires. Ive also received duplicative correspondence from you stating its complex matter, send correspondence to another address, blah, blah, blah. 
You stated two payments were applied to the principal balance in XXXX. Im requesting copies of the mortgage statements with the transaction activity displaying the payments were applied to the principal only. Once received, it should avoid duplicate correspondences. You failed to state that the two payments applied to the principal should have applied to the designated month indicated on the payment. Check # XXXX payment should have been applied to XX/XX/XXXX balance due. 
The mortgage statements section Important Payment Information, states to designate how you want additional funds applied and the payment will apply as directed. All my payments indicated the month to apply the payments. I never requested any of my payments to be applied to the principal only. The payment information never mentioned payment hierarchy. 
You have never responded to my request of reimbursement for my out of pocket payment on the tax payment of {$1900.00} and why was it not paid from my escrow account. Again, I never stated there was an overpayment in the XXXX taxes. I stated the payment was made by me and not my escrow account. Therefore, this matter is unresolved. I never made inquiry about the XXXX tax bill. 
Your XX/XX/XXXX response through CFPB never stated anything pertaining to the tax payment. Your XX/XX/XXXX correspondence only stated, At this time, our Tax Department is currently reviewing your inquiry as confirm if there were any refunds or overpayments previously due. Purchasing the loan has nothing to do with my reimbursement. 
The loan history summary is for the mortgagee. I require monthly mortgage statement displaying the transaction activity. 
I look forward to answers to prevent duplication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a wrong account in my credit report.Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document 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 expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately :
Product: Debt collection

I am writing in regards to an collection account that is being reported on my XXXX  and XXXX   reports every Month with a Balance of {$390.00} this account is not mine. the Company is National Credit Systems.I never signed any Documents with this company. they removed the item off my XXXX  report last year. but it is still reporting negative with XXXX  and XXXX. I know the FCRA states collections, charge offs and late payments should not be reporting if they are closed. especially if they are close ended accounts. I have sent dispute letters. and they always say verified or accurate. they always fail to show me proof. I would like original contracts showing my signatures.I would like these negative items removed immediately. I feel like they are breaking alot of rules. please help me resolve this matter. 

thanks