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

We bought a car at XXXX XXXX, XXXX TN XXXX ... XXXX XXXX arranged the financing or the car purchased. XXXX XXXX, 2016 ... transaction date. XXXX XXXX did several inquires for the credit to be issued for the car note. Those credit inquires were to be counted as XXXX inquiry. Transunion Credit Bureau counted them as XXXX separate inquiries, however the inquiries were for the same purpose ... purchase a car. This is wrong and has not been revised..it is obvious same day ... same hour, same purpose, same vendor. XXXX XXXX.
Product: Vehicle loan or lease

Repo was reporting on my consumer report as a charge off since XX/XX/XXXX with a balance of {$8300.00}. on XX/XX/XXXX I disputed the account with the hope of deletion because the account was out of date and not accurate. in 24 hours I had got a response the balance was updated to {$0.00} but the late payments were never updated. It says its been charged off since XX/XX/XXXX then again XX/XX/XXXX in again XX/XX/XXXX but theyre still reporting late payments still today According to the FCRA XXXX The credit bureaus are required to report the most accurate information
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I check my credit report regularly, but this time, there were unexpected errors that appeared out of nowhere. I even refreshed the page, thinking it might be a glitch, but the errors remained. These inaccuracies were not removed, and now Im left feeling anxious. I really hope the documents Ive submitted are thoroughly reviewed, so I can stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, XXXX, & Experian listed on my consumer report, block or remove the following account XXXX XXXXXXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Debt collection

A credit card account was fraudulently opened in 2018 which is past the statute of limitations, I tried to do a police report but couldnt due to not having a suspect in mind. I contacted this creditor who I never have done business nor signed anything with to see proof that I did a deal with them and they could not provide
Product: Debt collection

Records are two separate accounts, showing original creditor as Elevate Recovery. I have never done business with this company, nor have any contractual agreement with them stating I owe money. This needs to be removed from report. The amounts they are falsely claiming I owe are {$1500.00}, and {$1600.00}.
Product: Debt collection

I contacted the company to verify the debt that was being reported on my credit report.  It was a supposed debt for my minor daughter. When I asked the collection company to verify the debt for me. I asked for them to verify this with very specific information that would not violate HIPAA. However, the information they provided violated my HIPAA rights by sending confidential medical treatment information for my daughter. I asked them to remove the reporting in a letter since they violated my HIPAA rights.  I did not get a response to my letter.  I sent a letter to the original creditor and the collection company and still never received an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a certified letter it was received by TransUnion on XXXX/XXXX/XXXX The letter was sent to TransUnion in regards to inquiries that are showing up on my credit report that do NOT belong to me. Despite having a fraud alert on my account they still allowed for multiple inquiries to be made by someone else. They keep sending general letters saying these inquiries are factual. They responded on XXXX/XXXX/XXXX three days later to my initial dispute. But they are NOT factual because I did NOT make them. They would know that if the did an actual investigation. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order There was not a permissible cause for any of the following. I have reached out to the creditors that I could but each of them want me to give them my information and I am not comfortable with that especially since they already have ran my information without my permission. Transunion is the only credit bureau that has not followed the correct steps in the matter. Every other credit bureau has found out that these inquiries did not belong to me and have deleted them.I know that Transunion should investigate these inquiries but there is no way possible within 3 days they investigated any of my inquiries. I am a consumer and I have the right to have only correct information on my credit report. FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules. Creditor Name with some showing mutliple dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit 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 CFPB findings against Navy Federal for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; and XXXX XXXX. 
Experian is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; EXPERIAN XXXX XXXX XXXX ; EXPERIAN XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and EXPERIAN XXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX wrongful credit delinquency on Experian on XX/XX/year>. I accessed the archives of XXXX  showing proof of the disabled website. Please see attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Debt validation was requested and was never received. 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of Equifax, XXXX and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding errors present in my Equifax credit report that have potentially caused me to report inaccurately in my financial dealings. As a consumer who values accuracy and integrity in financial reporting, I am deeply troubled by the impact of these inaccuracies on my credit standing.

The consequences of these errors have been significant. Not only have they affected my ability to make informed decisions, but they may have also led to inaccurate reporting in situations where I was required to disclose my financial standing. This has caused unnecessary stress and could potentially harm my reputation as a responsible individual. 

I kindly request that the CFPB investigate the company Equifax and correct these discrepancies promptly and provide corrections where applicable. 

Thank you for addressing this matter urgently. I look forward to a resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A car dealership ran my credit through to many banks without my permission and I only authorized one now it has a negative Impact on my score and also there are names on my report that are not accurate and I wan na dispute
Product: Vehicle loan or lease

On XX/XX/XXXX, my boyfriend XXXX and I went to go see if he can get a vehicle. We went to XXXX XXXX XXXX XXXX, and after getting all the required documenations that they needed, XXXX the sales rep, came back to us and said XXXX was approved for a vehicle but would need a co-signer. I volunteered to be his co-signer. XXXX then goes to the finance guy XXXX and comes back with good news, we got the loan approved but the way we did it was XXXX ( me ) will be first and XXXX will be the on the backline ( co-signer ). We agreed on {$700.00} down for the XXXX XXXX XXXX XXXX, and I signed the Bill of Sale, Sales Contract, Finance Contract, and requested my insurance company XXXX to add the XXXX XXXX  on to the insurance with Full coverage and a {$500.00} deductible. 2 weeks go by, and they wanted 3 bank statements. I then sent over the bank statement and XXXX said everything was good to go. About 1 week, before my first Payment is due on XX/XX/XXXX, XXXX texted and said I owed him {$300.00} and to send to this cashtag XXXX XXXXXXXX. and I was confused and asked what the reasoning was and XXXX stated pay the money and youll be just fine. I was going along with it at first but then when I started reading the contracts and talking to XXXX asking why we owe, nothing nor XXXX or anyone could state we owed {$300.00}. I tried calling the financial company PFS and they are not willing to give me any information about the {$13000.00} loan the approved in my name, I am not being told how I can pay the loan and just being told by the dealship to call the bank and the bank tells me to call the Dealership. The credit was reported to the Crefit buerus on XX/XX/XXXX. It is active an open. XXXX and the bank XXXX XXXX, have said because Im trying to turn this into a problem or legal problem, they want the car back and they are claiming my employment cant be verified, my employment has called them multiple times and verified my employment and both of them have been very disrespectful. XXXX is constantly texting me using scare-tactics, and claiming which charges I will be charged with. I have paid my down payment, my insurance, I got the bill of sale, Finance Charge Contract, and the Terms and Conditions, the POA was signed to get plates into my name, and was given both Admin Keys to the vehicle. I have reached out to muiltipe attorneys to get legal advice and other Crediortors which have confirmed the loan was indeed approved. It is now 2 days past my first car payment, and no one is still giving me any information on paying my payments. XXXX stated that he will legally get the vehicle back by telling XXXX XXXX XXXX to send the loan back and/or delaying the information needed for me to pay my vehicle so it can be easily repod. Since then I have made it clear I am getting an attorney,
Product: Credit reporting or other personal consumer reports

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report XXXX am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : THE PUBLIC RECORD You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX from the date of the receipt of this notice XXXX look forward to your response. 

Thank you
Product: Checking or savings account

I was allegedly part of the XXXX acquisition to Cathay Bank on XX/XX/XXXX. I received no notification or correspondence of this transition, nor gave any consent for my personally identifiable information and funds to be handed over. I can confirm that XXXX had my correct mailing address as I had received something unrelated only a week ago XX/XX/XXXX. I simply logged into XXXX on XX/XX/XXXX and was shown my accounts were suspended and closed without explanation. XXXX did nothing to help me and Cathay Bank is unreachable. They have no chat support, no email, only one phone number XXXX. I've been on hold multiple occasions for several hours only to be hung up on. Voicemails unreturned. I have no access to my money, no account numbers, literally nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 American Acceptance XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl