23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

So ive been fighting a fraud case with American Express for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except American Express. What makes this case more of a headache is that i have 2 Amex cards that were charged with the same amount from the same merchant ( Delta Platinum & Delta gold ). The charges on the platinum was resolved within days of the case being open but the gold card is going on 4 months with no response. Amex has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting amex every week for an update but they have refuse to give me an answer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

Accounts with INCORRECT information below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Incorrect Addresses : All addresses are incorrect. The only address that is valid is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for immediate removal they also violated my rights under : 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and OAG CHILD SU XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Company refused to provide validation of this account, has not produced information and forms we requested. Refused to produce transaction report log showing the source and destinations of the funds of alleged loan. Pennymac did not inform us that our note would be securitized and traded without our knowledge.

Tax fraud reported to irs. Identity theft is being reported for sharing private personal information with third party and all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 blocking the erroneous information which 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 ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX  ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

judgement was rendered in XXXX during XXXX. no notices were received or sent to corrected places of residence to me before or after said judgements were ongoing. Received some notices in XXXX but was not aware of who this was from so didn't respond. Bank account was frozen and that was when was notified of judgement of discharged credit card debt. called and made payment arrangements over phone to Receiver and thought that was it. Received another notice with different receiver today with same amount and case number. I am thinking this is fraud and am confused.
Product: Vehicle loan or lease

OnXX/XX/XXXX I called and spoke with XXXX and XXXX about how the car that was returned is showing up on my credit and was informed that even if I returned the car I still have to pay out the entire loan but will never be able to own that car. Then asked for my income, my updated address so they can continue to send me bills after they have sold the car XXXX years ago. This information was removed from 1 credit company but they keep telling another credit company that I have an open loan and told me they will not correct it until I pay off the loan in which I do not have the car and have not had the car for over XXXX years
Product: Credit reporting or other personal consumer reports

There are two issues. 
XXXX ) XXXX included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, XXXX began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. XXXX decreased my credit score 43 points due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
XXXX ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by XXXX, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where XXXX outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

XXXX informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, XXXX has substantially impacted my credit score. XXXX takes swift action to penalize you credit score, as mentioned above by decreasing 43 points, but the increase takes months to get back to the original score.

The IVR system set up at XXXX is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Spring Oaks Capital regarding account XXXX. Spring Oaks Capital purchased this debt from an original creditor that is not registered in Texas, and their right to conduct business has been forfeited. This raises serious questions about the legitimacy of the debt. I have notified this collection agency numerous times that I do not have an obligation with the original creditor listed on my credit report. Spring Oaks Capital is falsifying information and harassing me as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protection against such practices. I demand that all collection efforts cease and that this account be removed from my credit report. I am maintaining a paper trail of all correspondence related to this matter. I urge Spring Oaks Capital to XXXX XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY BROTHER HAS STOLEN MY ENTIRE IDENTITY FROM ME. HE HAS CHANGED MY NAME, ADDRESS, BIRTHDATE, GENDER, EDUCATION, EMPLOYMENT AND AGE.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

Same for Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on all XXXX credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and XXXX, Equifax and XXXX refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!
Product: Credit card or prepaid card

Starting on XXXX i had unauthorized charges done on one of my credit cards with Bank of America XXXX I was at work on the XX/XX/2021 until XXXX. I left straight to XXXX XXXX after that and didnt come back to work until the XXXX of XXXX. I had a call from Bank of America her name was XXXX, she said something about fraud charges. I logged into my account and noticed there was numerous transactions i did not do or authorize anybody with the card. I checked my card case and my card was gone with my chase card as well. I called Bank of America immediately to tell them that it wasnt me because when i logged into the Bank of America app it had my verify the information if it was me or not. I freaked out so filled it out and called them and told them it wasnt me. I rarely use this card unless its an emergency. They opened a fraud dispute on the transactions and denied them, i called them back and they reopened it but this time i did a police report and provided them with that information. There was a total of 8 transactions done. The ones on the XXXX of XXXX are as from XXXX XXXX for XXXX, XXXX XXXX and XXXX XXXXXXXX For the XXXX the first one is XXXX XXXX XXXX and the second one is XXXX XXXX XXXX For the XXXX theres one at the XXXX XXXX for XXXX, the XXXX XXXX for XXXX and XXXX XXXX XXXX  for XXXX I cant believe theyre denying my fraud claim that wasnt me. Im frustrated that they havent came up with a resolution and they sent me a letter saying they contacted some reporting agencies to add a comment on my credit report stating that i disagree with their decision on my claim. I am not responsible for these charges because i didnt do them. Ive never had to go through this before and the fact that they cant seem to come up with a resolution is frustrating on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with XXXX fraudulent collections and fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through CFPB on XXXX  about incorrect information shared on my credit report. All 3 CRAs claimed they did an investigation yet are still reporting different info. 
It is taken me this long to submit another complaint rather than a dispute because of circumstances that could've been prevented with an accurate credit report. With CRA slander holding me back, I have been stuck in an emotionally abusive relationship. stress from CRAs and debt collectors, which by definition CRA are also debt collectors. 
They have violated my privacy and my RIGHT to CrMy negative credit score, during that period alone caused/heavily contributed to the following chain of events, To be taken as my AFFADAVIT OF TRUTH, My statement of facts 1. High car insurance cost based on credit score/report was unaffordable so I lost it. 
2. My automobile, used for all my everyday business and personal errands was damaged in an accident. High cost to fix and it is not drivable. 
3. FALSE reports from credit bureaus prevent me from having credit cards to help pay for the damage promptly. It's still damaged in my driveway.

4. No credit card, no rental car 5. With bad credit due to false reporting can't get approved for an affordable automobile 6. I scraped up what I could and purchased an automobile from a private owner for {$1200.00}.

7. It had bald tires that needed to be replaced, once again my negative credit score prevented me from doing so. 
8. Due to the bald tires, I was in a car accident I spent three days and two nights in an XXXX XXXX  ( not a private room, miserable emergency room ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus another totaled vehicle. 
9. I now have no Vehicle and a Credit report holding me back from getting one Credit is supposed 192 of 1933 a.k.a Public Law 73-10 suspended the gold standard and exempts people from paying their debts since their means of paying their debts was taken away from them and replaced with money substitutes that discharge debts instead of paying themed to be for consumers to discharge the debt. 
yet CRA is in cahoots with lenders to keep scores down, and interest rates up and demand these credit transfers be paid back in federal reserve notes although we were never lent XXXX. We the consumers are the true creditors. 
All reports are still inaccurate. They are sharing info I do not consent to.I constantly get emails from all the CRA about " pre-approval '' but when I apply I am denied to CRA. If my signature, according to '' Modern money mechanics '' written by the federal reserve itself states that my signature creates the promissory note then are these companies referred tp me by the CRA, still profiting of my application although I was denied in violation of the equal opportunity act?
Product: Debt collection

{$330.00} collection which I have been attempting to contact national credit   systems for over a year. I have asked for verification or resolution if debt mine. I have sent correspondence to company advising best forms of communication/ mailing address and have not received anything.
Product: Money transfer, virtual currency, or money service

I made a wire transfer to Coinbase XXXX days ago. I contacted my bank the XXXX XXXX XXXX, which I believe is the XXXX XXXX, but they both claim the money went through a long time ago. I submitted multiple inquiries through email, twitter for days but no one replied. I tried to call them but they said they could not handle money transfer through the phone or do not even pick up the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Checking or savings account

I am writing to file a complaint against NAVY Federal Union regarding multiple overdraft fees I have incurred. 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 intially available funds.

I feel these were unfair practices and request an investigation into my account transactions.