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

ATTN : CREDIT BUREAUS You are reporting inaccurate and incomplete credit information. 
The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single XXXX even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber , USCA-02-C-0072, 7th Circuit Court , Sept. 2004. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1666b ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX  Account # : XXXX Late Payment Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX Please correct the payment status for this account. 
to reported ON-TIME and/or CURRENT payment in all months and years above. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. 
Sincerely, XXXX XXXX
Product: Debt collection

Viewed consumer report XX/XX/2024 and seen illegal late payments on account, late payments are illegal, PNC has no consent to report illegal information
Product: Vehicle loan or lease

On XX/XX/2022 I made an extra payment of {$1000.00} to Kia Finance. 
The next day I called to have it applied to the principle ( according to their instructions ) On XX/XX/2022 I received the money back from Kia Finance. 
On XX/XX/2022 I called to find out why, she did not know, but offered to cancel the check and apply the funds to the principle, which I gladly accepted. 
I called numerous times to find out why I was not seeing any progress. 
Eventually I insisted on speaking to a supervisor. This was not easy as the person on the phone insisted that she could take care of everything. Finally I got through to a supervisor. He told me that it was my fault because I requested the money back ( I did not ). He was quite happy if I would just go and find a new lender. 
I am still trying to find out if the check they sent me has been cancelled and they are proceeding in applying it to my principle, or if I have to deposit the check and resend the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.
Product: Checking or savings account

I own two companies XXXX and XXXX  shop I got my money direct deposit in cash app banking they said that my stuff look like fraud because I got paid for XXXX  like always they took over {$1000.00} and close my account and said I was banned from using them ever again
Product: Debt collection

I had a debt which was collected by Portfolio, settled thru XXXX XXXX XXXX, Never sent the paperwork with finalization after saying will do. I was sent a notice of dismissal. Their statements back in 2019 werent in order Anyway happy it was settled! This was due to helping my ex spouse in XXXX XXXX XXXX but due to economy in XXXX we suffered. loss of business, jobs in XXXX. Again unemployed. 

My complaint is this.co. Is daily harassing still. It seems robo calling by others with its name sometimes. I have listed all these # s on Do not. call website. Also when working the employers send these calls. Today I had a Call from XXXX XXXXXXXX from portfolio asking to call PRA group. No content! Constant harassment. 

In with employers and other connections and with XXXX.Also my phone is hacked. Calls on debts with stature of limitations, and seems operating with employers or connection who and gaining commissions perhaps! Operates with XXXX which never corrected report for a year and I am just about to check to see whether they have now done. ( with wrong spelling of names silly mistakes! It took them a year and still not sure it is done. In between suffered with high interest rates which we will have to make a separate claim as this is how they operate with car dealers
Product: Credit card

Capital one is back at it again. Ive already reported them for doing basically the same thing on their shopping app. This time theyre offering rewards and paying out miles and then taking them back. Theyre doing this to hundreds of people on XXXX for offers from XXXX XXXX, XXXX. Theyre blatantly breaking their terms and ripping people off. This is ridiculous and unacceptable. I completed the offer, I got the miles and they took them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Today XX/XX/XXXX I went online to view my XXXX  credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX XXXX on XX/XX/XXXX which I did not do. I have a XXXX XXXX card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XXXX. We are in XXXX I have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach XXXX through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inadequate Investigations by Credit Reporting Agencies To Whom It May Concern, I am writing to formally express my concerns regarding TransUnion, XXXX, and XXXX failure to properly investigate and address inaccuracies on my credit reports. Their actions, or lack thereof, have caused significant harm to my financial well-being, and I believe they have violated their obligations under the Fair Credit Reporting Act ( FCRA ). 
I disputed the following inaccuracies with trans Union including accounts that incorrect balances, or inaccurate personal information. I provided substantial documentation to support my claims, including credit report. Despite this, the agency failed to conduct a thorough investigation, as required by law, and the errors remain on my report. 

This lack of accountability has severely impacted my credit score, hindering my ability to secure a loan, obtain a mortgage, etc. Additionally, it undermines the trust consumers place in these agencies to handle their financial information accurately and responsibly.

I am aware of the Consumer Financial Protection Bureaus ( CFPB ) involvement in addressing such systemic failures and lawsuits against these credit reporting agencies for similar violations. I am requesting the CFPBs assistance in ensuring these errors are corrected and that the agencies comply with their investigative responsibilities under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making the following Complaints and Observations Request for Statement of What Happened : Several months ago I was denied homeowner 's insurance coverage on a personal residence I own in XXXX, Washington by XXXX and XXXX XXXX because of information contained in my insurance report, the details of which were not disclosed to me. Accordingly, I requested a copy of my insurance report from the Comprehensive Loss Underwriting Exchange ( CLUE ), serviced by XXXX, which I understand contains up to seven years of personal auto and property claims history and to which I am entitled under the Fair Credit Reporting Act. In XX/XX/2021 I received an 86-page " report '' from CLUE which contains no history of reported losses or claims or any other relevant information with which an insurer or underwriter can assess risk in issuing a policy on this property. This property was covered by homeowner 's insurance for almost thirty years during which time, to the best of my knowledge, I filed no claims involving this property. I am attaching to this complaint a copy of a letter sent to CLUE on XX/XX/XXXX which contains a more detailed explanation. 


Fair Resolution Question : I am seeking a full and complete report from CLUE that I may review for accuracy to determine why I am being denied insurance coverage. I have carried insurance on this property for 30 years, have no record of claims, and am unable to understand why I have been denied coverage. Without this report, to which I am entitled by law, I can not offer any corrections or assert my rights as a consumer. 

I asked Comprehensive Loss Underwriting Exchange on the advice of Washington State Office of the Insurance Commission. Perhaps CFPB can contact them. Perhaps they will be more forthcoming with you than they were with me. 

Please respond to me at this email at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI  ( XXXX ) Account # XXXX ( XXXX XXXX ), has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia XXXX the XXXX of XXXX XXXX or any political subdivision of any of the foregoing. 

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Product: Mortgage

Received a letter from New Penn Financial NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX regarding an FHA Streamline Refinance. They wanted my SSN to pull a soft report. I declined, but they said it was necessary for them to work figures. Gave them SSN. I later found out that they did not have to pull credit and that the credit report they pulled was a hard credit report. I have requested the hard credit report be pulled from my XXXX Credit Report as I did not authorize a hard credit pull. New Penn employees are either not trained properly or a doing something against the wishes of potential clients.
Product: Checking or savings account

I initiated an outgoing transfer from my Citi checking account to my XXXX XXXX savings account for {$1000.00} on XX/XX/XXXX. Upon making the transfer, I was informed that the funds would be available on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received the money in my XXXX XXXX savings account. The transfer I made is still shown as pending in my Citi checking account on XX/XX/XXXX. I have contacted Citi Bank several times, and the only response I received from them was to wait.
Product: Money transfer, virtual currency, or money service

Coinbase has an exchange to buy and sell XXXX but it also has an application called " Coinbase XXXX '' where cXXXX  can be stored. Coinbase claims that the XXXX application is a safe place to store XXXX. On XX/XX/21 I had {$120000.00} on XXXX stored on coinbase XXXX and these were withdrawn without my consent. I don't know how anyone would be able to withdraw money from my coinbase XXXX when I did not authorized any payments. There was no verification, no secutiry steps taken to make sure that I wanted to send a payment. The money was simply taken out of my XXXX I contacted coinbase and they said they were only in charge of the XXXX on XXXX XXXX but not on the XXXX  application. Because of this, I was forced to pay more money as the company who withdrew my XXXX said that I needed to pay more to get my money back. It ended up being a total of {$220000.00} stolen from my coinbase XXXX on XXXX. I have reported this to all the agencies but I also believe that coinbase should be responsible as they claim that coinbase XXXX  is a safe application to store XXXX which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've currently reached out to Transunion multiple times about my report and inquiries that weren't made by me. I've spoken to them more than XXXX times to get the issues resolved. I've mailed the police report at least 6 times and every time I've spoken to them, they've never received it. I sent by usps mail with tracking number. 

XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NATLCRSYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I paid off the balance of a loan at Tower Loan XXXX XXXX, MO. 
Earlier I had paid {$1400.00} leaving a balance of about {$32.00} and some change. Since I couldn't afford to pay it off I waited about a month to pay off the final balance. 
When I entered the office stating I would pay off the balance it had morphed into over {$100.00}. While complaining about this the manager told me the interest was {$2.00} per day. 
I asked why the agent who took the {$1400.00} didn't tell me about this, the manager told me the agent had been fired. 
I paid the {$100.00} plus and advised I would never do business with them again, file complaints against Tower Loan and inform others of the almost usurious actions of the company The manager stated she hated to lose me as a customer. I took her comment almost as an insult. 
I would not mind if they had charged me a rate whereby I would repay about half the balance they stated I owed. After all I borrowed their money but {$2.00} per day interest is outrageous.
Product: Credit card

In XXXX, I attended a XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX was a vendor, and offered " us '' an incentive to sign up for alarm services. I did, and Fortiva ( Alanticus ) financed the equipment costs, and subsequently issued me a " Fortiva '' card. 

When I attempted to pay my XXXX monthly bill, I could not because the {$640.00} balance was paid on XX/XX/XXXX. Since I did " not '' pay the bill, I spoke to a representative who informed me that Fortiva ( a ) transferred the balance to a XXXX Credit Card because of my great credit and ( b ) had earlier sent me an email offer with 45 days to decline. I never received an email from Fortiva. My method of communication with the company has always been by phone or my mailed statement. Furthermore, how can Fortiva issue me a card " without my approval '' given that all three of my credit files ( XXXX, XXXX, and XXXX ) accounts are " locked '' and " frozen. '' I am XXXX XXXX XXXX, and Fortiva 's action is predatory. I have choices, and if I wanted a Visa card or any credit card, I am capable of applying. Fortiva 's actions impact my credit score, and I have already received an alert that a new credit card has been added to my account. And for the record, I have " not '' received the XXXX credit card they allegedly sent. Although I filed a complaint with the Georgia 's Attorney General 's Office and with Georgia 's Department of Banking and Finance, their systems did not generate a confirmation email receipt of my complaint. Consequently, I am submitting this to you with hopes that you can help me. This is so frustrating!
Product: Credit card

I have been paying on four promotional balances through Care Credit. Each plan carries a unique expiration date. While I have made payments of more than {$2700.00} over the past year, none of my accounts have been reduced by the equivalent credit. Moreover, the company can not explain where my money has been going. I am left on hold until they disconnect the line.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
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 the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Credit reporting or other personal consumer reports

This is MY SECOND WRITTEN REQUEST, formally disputing the accuracy of information being reported under my name on my credit report. Although you responded stating the information has been verified, as a consumer seeking to ensure the accuracy of my credit file, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), ( 15 USC 1681i ( a ) ( 7 ) ), which mandates that a consumer reporting agency must provide the method of verification they relied upon when responding to a dispute.