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

I am filing this complaint regarding inaccurate credit reporting by Navy Federal Credit Union ( NFCU ) for an account that was included in my XXXX XXXX  bankruptcy case, which was discharged on XX/XX/XXXX, in the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Despite the account being included in the bankruptcy and the debt discharged, NFCU has reported the following inaccuracies on my credit file : Late Payment Reporting : NFCU has reported late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 30 days late ). These entries are erroneous because any delinquencies occurring after the bankruptcy filing in XX/XX/XXXX are legally irrelevant and should not be reported under the automatic stay provisions of XXXX XXXX. XXXX or the discharge injunction under 11 U.S.C. 524 ( a ). 

Incorrect Balance Reporting : As of XX/XX/XXXX, the account still reflects an outstanding balance of {$5400.00} and a past-due amount of {$110.00}. These amounts should have been zeroed out and updated to reflect " Included in Bankruptcy '' or " Discharged in Bankruptcy '' with a {$0.00} balance, as required by law. 

Actions Taken by Me : I sent a written dispute to NFCU on [ insert date ], requesting correction of the inaccurate information. 
I included supporting documentation such as the bankruptcy discharge order and creditor matrix to verify that the account was included in the bankruptcy. 
Despite my efforts, NFCU has not resolved the inaccuracies, and they remain on my credit report, adversely affecting my credit standing. 
Impact on Me : This inaccurate reporting has caused undue harm by misrepresenting my creditworthiness, potentially leading to higher interest rates, denied credit opportunities, and emotional distress. It also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the discharge injunction under the Bankruptcy Code. 

Resolution Requested : Remove all late payment entries associated with this account, including XX/XX/XXXX and XX/XX/XXXX. 
Correct the account status to reflect " Discharged in Bankruptcy '' with a {$0.00} balance. 
Ensure no further inaccuracies are reported for this account. 
I appreciate your attention to this matter and look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

( I'm sorry if this goes to the wrong place, but none of the options presented in the filtering tree came particularly close to the problem I wanted to write about. ) I recently set up a myequifax account on Equifax.com, the credit reporting agency. When I log in with my email address and password, I can see all of the financial and personal information they have available on me. I was astounded to realize that there is no way to set up multi-factor authentication for this account, so anyone can use a brute-force attack or random password generator to access my information. Even worse, Equifax offers multi-factor authentication services TO OTHER BUSINESSES, so how hard can it be for them to set this up for their own customers? I have no idea who to go to about this, except someone like yourself, and beg you to please do something about this to minimize the number of people who's highly sensitive financial information is being exposed. Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  / XXXX, XXXX XXXX XXXX, XXXX XXXX I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I received a text message from USAA stating USAA : Outgoing transactions on your USAA account ( s ) have been restricted due to recent suspicious activity. Call USAA at XXXX. Reply HELP for help. After contacting the phone Number, the agent stated that USAA is choosing to discontinue providing me any services. I asked him if Id get a notice with information on why theyre closing my account and he said Id receive one. Further, since XX/XX/XXXX, Ive been unable to use any funds.
Product: Checking or savings account

{$300.00} was used out of my account which I didnt have so I dont know how now my account is- {$300.00} and my account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX 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

This account has been disputed on numerous occassions. I have been disputing this account for over 2 years. The company removes the collection account and keeps adding it back on my credit reports. I have never done business with this company or the original creditor. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX  - {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had got a car from XXXXXXXX XXXX  XXXX and the company that handles the loan is XXXX, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. XXXX has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX of XXXX, and that I Voluntarily surrendered it in XXXX of XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX of XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX of XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. XXXX has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also XXXX is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, Experian, XXXX and XXXX but of course XXXX is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
Product: Credit reporting or other personal consumer reports

The company mailed me blank pages. I still did not receive the free credit report. Lexis Nexis lied in their statement below. 

" In response to XXXX XXXX complaint filed with your office, LexisNexis was able to process XXXX XXXX 
XXXX request. Based on the information XXXX XXXX provided in her complaint, LexisNexis mailed a copy of her LexisNexis Consumer Disclosure Report on XX/XX/year> for her review. ''
Product: Vehicle loan or lease

-Seller went under ( bankrupt ) and never received documentation. 
-The lien holder, XXXX XXXX XXXX XXXX was completing fraud moves such as, not providing a W-9 to get paid by my crisis worker, repossessing my car on private property, harassment ( calling my sister and father ), not helping with {$10000.00} worth of damage, refusing default to cure. 
-committed title fraud by selling my car to XXXX owners with a contract still valid and title still active. 
-Carfax said the car was in an accident when there was evidence by the XXXX. 
-The title was changed XX/XX/year> ( yesterday ), after XXXX owners. 
-The lien holder made an insurance policy in my name and I paid the deductible. 
-I warned XXXX about discrepancies and the safety risk but no one listened. 
-There is odometer fraud all over the place. 
-Car is worth {$2500.00} and sold for {$8900.00} at auction. 
-Car was not worked on based on review. 
-My file was in a box with a check but now they are saying I do not get money back. 
-They want XXXX people to pay for the full car. My contract is null. Now it is the owner 's loan and I should receive my money back, compensation for my belongings, reimbursement for my insurance, XXXX, and gap insurance, and pain and suffering for selling me a lemon ( knowing all the damage ) and not getting much time. I missed doctors appointments, parties, gatherings, etc. 
-It went into XXXXXXXX XXXX many times and insurance was barely covered but paid {$900.00}. 
-Lien holder was so rude and didn't care about calling my family. 
They refused to send me documents that they claim they did but would be held at the post office. 
-They claim they don't need to tell me about throwing away my belongings but I called and they didn't know where my car is. The next time, my car had nothing in it. I lost my XXXXXXXX XXXX  {$3500.00} wedding ring ( all I have of her. ) I am moving so I had a lot of stuff. I have witnesses who were helping me. 
-went through the dark web to get into the USPS database. 
-There is probably more but I can't think of it
Product: Credit card or prepaid card

After fraudulent purchases were made with my bank credit card - I called bank and they stopped the card and agreed to send me a new card. However, they failed to tell me that they were removing the card and all statements from my bank web page thus I would no longer have any access to my records. 

Now, I can not see my credit card account to : 1 ) see if my last payment made it to the account 2 ) see what the exact amounts of the fraudulent charges - there were 2 from one same company 3 ) see if the credit returns were given to me that I expected. 

I want my past statements and current statement back on the website so I can see what is going on - they said I have to wait until I get a new card - but even when I get the new card they said they won't put my old credit card statements online? Why? Shouldn't I have gotten a warning they were removing them? Now they want me to come into the bank and pay for paper copies!!! 

I was promised by the bank when I went " paperless '' that I would have access to these statements for as long as I needed for IRS purposes - isn't that the point of paperless?
Product: Credit reporting or other personal consumer reports

Inquiry is fraud, I have no knowledge of these accounts.
Product: Mortgage

XXXX cont. 

XXXX XXXX XXXX returned a call with an update from WF. Unfortunately, is not able to do S .... company policy. 

I asked for her supervisor 's contact information, and was declined. Please assist. 

XXXX Not exactly a customer concern bank. Sad and true Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX XXXX the WF XXXX XXXX, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the XXXX loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the XXXX loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the XXXX loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, XXXX we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX XXXXXXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

WF is a fraudulent bank. Please hold them to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anything you say can, and will be used against you in the court of law. I transmitted via CFPB ( # XXXX ) on XX/XX/22 an invoice and exhibits notifying TransUnion XXXX XXXX XXXX  about the non compliance of the Fair Credit Reporting Act, how it has negatively effected me and caused serious harm from their actions. TransUnion failed to address these problems that were laid out plain and simple, but rather chose to initiate a dispute regarding my name. There was an invoice attached which prescribed a specific time frame to respond accordingly to applicable law which the CRA failed to do. They also violated my rights by disregarding the information transmitted to them of the violation of Section 616 of the Fair Credit Reporting Act. This is the now XXXX complaint against this CRA and they continue to not comply with the regulations of the law. I will now take the initiative to inform TransUnion of my actions of filing a lawsuit for Defamation Of Character for all the false statements you've published, acknowledged, and are now failing to address. I have also attached an XXXX XXXX XXXX XXXX XXXX XXXXXXXX, & the Invoice originally attached.
Product: Mortgage

XXXX XXXX, Bank of America VP patently denied our ( The XXXX, Re-Fi Loan No. XXXX application based on erroneous information. We refute the denial of Action Taken on the basis of : alleged garnishments ( there are none in our credit history ) ; no repossesion actions ; no delinquent past credeit obligations in the last 12 years. 

The BOA low-balled our property appraisal : XXXX XXXX XXXX XXXX XXXX, Ga, XXXX. I have evidence of more appropriate FMLS appraisals that I sent these people..several times. I have numerous 'run around the flag pole documents ' tax returns, home-based business documents, bank accounts, etc. 

Let me cut to the chase..These uncaring community-busters chose not to work with us in year XX/XX/XXXX-XX/XX/XXXX ; we successfully were approved for the Chapter XXXX bankruptcy..paid off all of our obligations..and have maintained stellar credit posture since Year XX/XX/XXXX. If they had only worked with us in Year XX/XX/XXXX-XX/XX/XXXX, we would not obviously not be at a loggers head. We have a XXXX FICO score and getting better. BOA wants to punish us..'too big to fail.they have not learned yet that taxpayers bailed them out! '
Product: Mortgage

ex friend hacked into my accpoiunts back in XX/XX/XXXX spoof number gets really crazy so ill be short with this XX/XX/XXXX my payment posted then the hacker posted another one and i called tyhe mortgage company to have them take tghe second payment off they took both off hacker then rest of the month made more payments wich didnt clear i made a payment of {$140.00} on XX/XX/XXXX and another payemtn XXXX XXXX of XXXX total paid XX/XX/XXXX {$520.00} well that was for XXXX paymeny becasuse they sent back both but i never got the money back last week they tell me my XXXX payment was snet back XX/XX/XXXX for XXXX money in accounrt i have statements from chine account saying they cleared paymens and i was good i sent it to the mr cooper but they sent e a letter this week saying i have until XX/XX/XXXX to pay over {$1700.00} r i loose my home they for one havenmt made the XXXX correct they are arguing with me about said payments also they didnt keep account safwe after they were hacked XX/XX/XXXX i asked several times to get the ip address of hacker or some info they fasiled to provide any info only enlough to say im going to loose my home
Product: Checking or savings account

On XX/XX/2021 My account was switched from simple online bank to bbva compass bank. I was assured my login credentials would work but I'm unable to access my account. I was lied to several times by their call center representatives. I would be told that they can help me or I would be transferred to the correct dept only to be hung up on or sent to the main menu.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 approx XXXX ( PST XXXX went online at XXXX to obtain credit report from Equifax. Went thru all the steps of verifciation, supplying SS # and answering security questions, the website then said Unable to send online credit report. Must fill out form to request a paper copy, please send copy of SS # and verification of address. 

Equifax continues to be problematic in participating in the free annual report program. 
Why did it ask for all the security info and SS # ; which is already a risk for the consumer and then say it can not supply online report.? No consumer that is checking their credit report to ensure there is no incorrect info and/or to prevent fraudulent behavior will want to willingly send a copy of their SS # and verification of address in the postal service mail. 

Equifax is not following the federal mandate to provide a free annual credit report via online request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 applied for a car loan. Was denied credit based on report from XXXX XXXX giving low credit score when all other companies show over 800. Unable to contact via phone and website states only way to obtain report is to mail in numerous personal documents. No clear explanation as to why credit score is reported low by XXXX vs other companies. Reason listed is " trades too low ''?
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.