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

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Early Warning Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Thank you Sincerely, ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting Act XXXX XXXX has Violated My Rights. 
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A 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 : its 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

Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from 6 weeks ago.
Product: Credit reporting

XXXX Total fails to remove incorrect information from my credit files. CREDITCHECK Total reports incorrectly that my Revolving Credit Usage is 990 % on Experian, XXXX and XXXX XXXX XXXX Total continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any XXXX XXXX bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your choices don't really fit my needs. 2 months ago I tried to access Equifax Lock & Alert but it wouldn't let me reset my password on either the app or the online entry. I called multiple times to number coming up XXXX and XXXX, no rep was able to help me get access to my account, they had me change my password over and over again. Finally a ticket for tech was put in for me. In the past ten days I had only one call from a number I couldn't identify which I couldn't call back and was left no message. I deleted that number in error so I can't tell you what it was. I missed the call as I was in the bathroom. I can't be sure it was Equifax but I can't call the customer service again. I need to speak to a tech person, I need to be able to reach someone preferably because I work part-time in the morning but I want my access to Equifax back XXXX I know I can give all my details over the phone and my account can be locked or unlocked but I want this back for myself to do online. I know they still have an older email of mine on file which may be causing part of this problem but I someone who can really help me and stop going around in a circle. This is very unfair to be unable to resolve such a simple problem. Please help me reach someone to give me online access back. I liked Lock & Alert, up to recently it always worked fine. I changed phones and the app didn't transfer over to my new phone, when I downloaded the app and tried to activate it, that's when my problems started. HELP!!!
Product: Credit reporting or other personal consumer reports

15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments ( XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
Product: Payday loan, title loan, or personal loan

I talked to rise. I was paying on time, but then I've noticed that the interest rates has increased tremendously. They charged me XXXXXXXX XXXX extra for XXXX ... At first they didn't say that. They told me that it would be XXXXXXXX XXXX at the end of my payments... I called to discuss this letter they sent me... So I've had already paid them two times ... And they have on my credit report in owing more than XXXX XXXX. I truly believe that Rise is a scam, and I will like to take them to arbitration... I told them the sole reason for getting the loan was to better my credit... I also told them that they are charging too much for the loan and that it wasn't the amount that I had the first time. I truly believe that Rise has someway of changing the amount due to hacking... I strongly suggest that you guys make an investigation of what I've stated... I can't be the only one. I believe that they are scammers... They made me so upset that I was using profanity... I'm a better man now, but then I didn't have the patience or self control that I needed to just find a better way to handle the situation... Now they on my credit report... I will like for them to be taken off my credit report, because of my assumption of them being scammers and obsessive interest charges...
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not solicit this business for any product or service
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing Experian, XXXX  & XXXX are still reporting the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  SPLIT MY CREDIT REPORT INTO  XXXX  RESPECTIVELY!  <P/> TO KEEP THE  XXXX  FILES COMBINNED THEY SUSPEND  XXXX  ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED )  1 ) .CO NFIRMATION NO. XXXX  DATED  XX/XX/2016 - STATUS PENDING 2  ) .CONFIRMATION  NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT  XXXX  IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts 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: Mortgage

I'm an XXXX XXXX XXXX  member that assumed a VA loan from Freedom Mortgage. The assumption process was extremely painful due to a lack of responsiveness from the lender. The seller has filed multiple complaints about that. 

This specific complaint is that now, after having assumed the loan, the company will not create an online account for me to view or pay my mortgage. They have online account access, but will not do it for an assumption. The company 's justification is that it's for security which makes XXXX  sense since the account is now tied to my individual profile with my SSN, unique password and two-factor authentication options. 

The company representatives have explained that I am not the only customer with this complaint but they are not willing to remedy the situation. My only ask is that they provide an online account option. But of course, based on the horrendous customer service of this institution I think all consumers should be warned not to do business with them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for the unlawful reporting of child support obligations on my credit report. This reporting is inaccurate and violates federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and 28 U.S.C. 1738B. Child support obligations are not consumer debts and should not be reported as such on credit reports. I request that the CFPB take action to ensure that Experian promptly removes these erroneous entries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports 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 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  Equifax : 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 reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXXXXXX 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 or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX & XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$190.00} ; XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and further more I gave no one authority to furnish my data
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies in my credit report that demand your immediate attention. Specifically, I am disputing the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It is perplexing to me why these companies have reported this information on my credit report. I have consistently upheld timely payments with all parties involved, and there is no basis for such inaccuracies. Upon contacting them, I was directed to dispute the matter with your agency.
Product: Checking or savings account

I have put in a CFPB complaint XXXX previous times before this, and it has been almost a year that AmEX has closed my account, the person who keeps responding to my complaints and has not provided me with a resolution. I have sent the form they have requested multiple times. The most recent form I sent was XX/XX/2024, I called in XXXX, the person told me they did not have an update on my funds being sent to me. They stated they sent my check in XXXX ; however, I have informed delivery with XXXX and never received a check or any notification that my check was sent. I have been very patient with this company, and they have been playing in my face with my funds. I would like my money now sent to the address on file. I don't understand what the XXXX hold up is. But I am going to get a lawyer involved. So XXXX XXXX please let me know if you would like to owe me my XXXX or will be paying me alot more money. I would like my check sent out before the incompetent and obviously belligerent imbecile who keeps closing out my complaints without sending my XXXX funds closes this complaint. If the complaint is closed without any update on my check I am going to sue. so prepare