23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$140000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 or other personal consumer reports

I dont know who this company is I didnt give them permission to report on my behalf. This judgement is settled and hurting my chances of getting approved for housing.
Product: Student loan

I am trying to pay extra on my student loan each month but the Navient website does n't allow for it. If I pay ahead it will show as no amount being owed for that month. Plus it will not allow me to split out the extra payment amounts to each loan. My goal is to accelerate the payoff on my smaller loan balance but in order to do this I have to make the payment via the website, then call Navient and ask them to manually split the payment. It seems like an inefficient process plus I feel like they are dissuading me from making extra principal reductions in my loans.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2022, the KENNETH EISE collection agency uploaded that I own them on my XXXX as a {$100.00}. I tried to reach them over the phone to confirm if I confess something to them and over the phone, I requested them to send me a clarification letter. The representative was rude to me and promised to file a lawsuit against me. The Kenneth XXXX agency refuses to validate debt which is discriminated against my right under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

Transworld Systems Inc. attempted to collect a debt ( electricity bill ) from me on XX/XX/2022. No phone calls were made, no voicemails were left, and no signature confirmation delivery was made to my home address. As a result, I did not know I had a debt until my credit score was attacked. I attempted to dispute this matter with Transworld Systems and with XXXX, but to no avail. The XXXX dispute result ( see attached ) recommended I dispute with Transworld Systems directly. Transworld Systems told me that they do not do derogatory mark deletion and that I need to contact a professional service to do so. I believe that this was a very unfair attempt at collecting a debt.
Product: Credit card or prepaid card

XXXX debit cards were opened without my authorization. They were also sent to an old address. This was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XXXX I disputed accounts and nothing changed. 
Im disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

New Complaint : New FTC complaint Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX am writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : Repossession. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX BanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My car was repossessed at the 75 day mark after a representative told me they start reposessing at the 90 day mark ( 3months what I was told ) and at that point I had made a partial payment but it wasn't recognized as a partial payment, it showed as a credit, and not an amount toward the balance. If it would have reflected as a partial payment then the vehicle wouldn't have been in repossession. At very minimum, my " credit '' should have been used toward somthing before hand not after my vehicle was repossessed.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, I submitted a dispute with Equifax regarding multiple accounts that should not be on my credit report. Despite my request for an investigation and removal of these accounts, I have never received any response, supporting documentation, or resolution from Equifax. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and respond to disputes within 30 days, yet they have failed to comply with this legal obligation. 

The accounts that should not be on my credit report include XXXX 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 XXXXXXXX ). These accounts are inaccurate and should not be associated with my credit file. Equifax has failed to verify their legitimacy and has continued to report them despite my dispute. 

By not investigating my dispute and allowing these accounts to remain on my report, Equifax is violating my rights under the FCRA and causing unnecessary harm to my credit profile. Their failure to respond in a timely manner, or provide any documentation proving these accounts are valid, is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
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 confidentially under 15 U.S.C 1681 Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A I have a 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 1681 5-2 ( 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: 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, which violate the Consumer Financial Protection Act ( CFPA ). 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally demand the removal of inaccurate and harmful information concerning my XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from my Experian credit report. Despite my submission of substantial evidence through the CFPB portal and your reinvestigation process, this matter remains unresolved. Your response focused solely on alleged late payments without addressing the central issues of violations under the Lemon Laws and the Truth in Lending Act ( TILA ). 

Background on the Dispute Vehicle Details : XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ). 
Issue : The vehicle qualifies as a lemon under applicable Lemon Laws. Additionally, XXXX XXXX relied on a fraudulent contract, which is not the agreement I signed, violating the Truth in Lending Act ( TILA ). 
Evidence Provided : I submitted documentation showing the vehicles lemon status, violations of TILA, and evidence of XXXX XXXX presenting a fraudulent contract during the repossession process. 

Experians Inadequate Investigation Your reinvestigation focused only on late payments while ignoring the following key facts : 1. Fraudulent Contract : XXXX XXXX provided a contract that does not match the one I originally signed, raising serious legal concerns. 
2. Lemon Law Violations : The vehicle qualifies as a lemon due to significant defects, rendering the loan and subsequent repossession invalid. 
3. Failure to Verify Information : Your process did not address the legitimacy of the contract or the legal disputes I raised. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to : Conduct a thorough investigation ( 15 U.S.C. 1681i ) that addresses all aspects of a dispute. 
Correct or delete information that can not be verified or is deemed inaccurate ( 15 U.S.C. 1681c-2 ). 

Legal Demand I demand the following actions be taken within 15 days of receipt of this letter : 1. Immediate Removal : Delete all information regarding the XXXX  XXXX XXXX XXXX XXXX from my credit report. 
2. Written Confirmation : Provide written confirmation that the inaccurate information has been removed. 
3. Furnisher Details : Provide the name, address, and phone number of the furnisher of this disputed information. 

Failure to Comply If you fail to address this issue adequately, I will take legal action against Experian for : Failure to conduct a proper investigation under the FCRA. 
Reporting inaccurate information that harms my creditworthiness. 
Failure to comply with federal and state consumer protection laws, including Lemon Laws and TILA. 

In court, I will seek statutory damages of up to {$1000.00} per FCRA violation, actual damages for financial harm, and reimbursement of attorneys fees and court costs.
Product: Mortgage

My mortgage servicing was transferred to Loan Care. They immediately started robe-calling me every day. The robocaller simply says " Please call Loan Care back at & lt ; number & gt ; '' and nothing else. Not necessarily exactly those words, but no actual information about reason for call or possibility to stop the calls. So far there are XXXX numbers they have called from ... XXXX and XXXX. In each case, they ask me to call the number they called from back. Interestingly, their caller ID does not come in as XXXX, but as XXXX XXXX XXXX XXXX XXXX XXXX. 

I 've called them back as requested several times and each time I 've been assured that they will stop the robocalls. Each time, they have failed to do so. 

It 's maddening and they call at different, mostly inconvenient times each day.
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 were 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 accounts transactions.
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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 ) 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: Mortgage

In XXXX of XXXX, I purchased my home and received a FHA mortgage through Wells Fargo, the cost of my home was $ XXXX. 

In XXXX, I went through the FHA HAMP program where they remodified my loan because I was having trouble making the payments. The loan did not substantially reduce my monthly amount. I went from {$2100.00} to {$2000.00} a month. 

Unbeknownst to me, a 2nd lien was placed on my property, through HUD through using a company called XXXX. To the tune of $ XXXX that included back payments, reduction of principle and legal fees. 

I find this out as im in the process of selling of my home and the balance that I owe Wells Fargo is $ XXXX + the $ XXXX from XXXX equals to $ XXXX. MORE than what I paid from my home. 

This is extremely deceptive and fraudulent. I know that Wells Fargo has been in hot water recently for such a thing and my immediate plans are to join the class action suit as there are thousands of consumers by me who have been duped by Wells Fargo. I would never advise anyone to get a mortgage from them.
Product: Vehicle loan or lease

I had my secretary XXXX speak to GM Motor in regards to a late that had come on my report in error on XX/XX/2019 she spoke to XXXX from GM # XXXX was his ID. He said he was going to be sending in the correction to the bureaus immediately. Yet this is still reporting 6 months later and is really hurting me. Not only is it reporting late it is only showing a 60 day late which isn't possible since the prior month it was on time.
Product: Credit card

I have had an AMEX card since 1980. I have never been late on payments before this last month whenI dismiss a {$100.00}. payment. I am now receiving 10 to 14 calls each day for the last 5 days ( Thur. thru Mon. - even on Sun. ) This amount of calls for an old customer with good history and for this amount of money is RIDICULOUS! It has truly upset myself and my wife who wants to now drop the card entirely, to which I agree, but I feel this type of undue harassment should be dealt with by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. Transunion, XXXX, and XXXX have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, 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, 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 XXXXXXXX, 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: Payday loan, title loan, personal loan, or advance loan

I have paid off my account with this institution. I made an overpayment since their payoff quote was wrong. It has now been 3 months and I am yet to receive my refund. The customer service representatives, I have talked to all mentioned that the check has been mailed. However, I have never received anything in the mail from them. I have asked that they cancelled the previous checks they issued before re-issuing a new check and tracking before mailing the check so that both parties could track and make sure the check got delivered to the correct address. The instituition was not willing to tracking the mail or send a direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never in my lifetime signed nor authorized for the over {$15000.00} amount of 7-8 loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for 2! loans at XXXX XXXX for two quarters when I attended their school for 6 months in 2007. I have submitted a Borrower Defense claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} thousand that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.
Product: Credit reporting or other personal consumer reports

I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/scrub> 2024 which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX XXXX, XXXX, XXXX  and equifax multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX  credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX  doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax because I noticed unauthorized inquiries on my report. I gave the rep a list of all of the inquiries that I had no recollection of applying for credit. I also informed the representative of the Fair Credit Reporting Act that requires all unverified and unauthorized items must be removed from my report. The rep told me that there was nothing he could do and that inquiries would be on my report for 2 years. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card

At approximately XXXX today, my XXXX XXXX XXXX daughter received a call on her cell phone from Chase Card Services, asking for me. I have never authorized Chase to call that number to contact me. I do n't know where Chase obtained this number, but my daughter was very upset and I feel that my rights were violated.