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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : 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 604 A Section.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX, and Equifax Full name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name XXXX XXXX XXXX Account XXXX XXXX -- Not my account x -- - Was never late -- -- -- Account paid in full -x -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account -- -- -- x Was never late -- -- -- Account paid in full -- -- -- x- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXX -- -- Not my account X -- Was never late -- -- Account paid in full -- -- -x -- Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to Diversified Consultants located XXXX XXXX XXXX XXXX, XXXX, XXXX stating I am disputing the debt listed and I need the name and address of the original creditor ; a copy of the alleged agreement between the original creditor and me ; documentation and a complete accounting of the amount claimed to be due, including any bills or invoices sent to me as well as any relevant payment history. The letter was delivered on XX/XX/XXXX and signed. they never responded to the letter. I sent a certified letter to XXXX, XXXX  and XXXX and they never deleted it from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Not my account Fraud account identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit scores with XXXX XXXX tonight. It was noted I had a hard inquiry on my credit report with TransUnion for XXXX XXXX. It was noted the inquiry was from the dates of XX/XX/XXXX through XX/XX/2023. I have not called, applied or filled out any applications for a credit card with XXXX XXXX. I did not authorize this inquiry!
Product: Checking or savings account

On XX/XX/XXXX, BBVA shut down access to their Simple checking app. Customers were instructed on XX/XX/XXXX to activate our accounts through the BBVA website. Today is XX/XX/XXXX, and I have tried multiple times to activate my account, and the website is not functional. BBVA acknowledged on their website they are having technical issues due to the volume of customers activating accounts in the transition from Simple, with no indication of when I will have access to my account. 

I am unable to access my checking account balance, transactions, and statements.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/23
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the inaccurate and fraudulent information listed on my credit report. I have attached copies of the letters I previously sent to Experian addressing these issues, along with all necessary documentation to support my claims. 

The accounts and addresses that do not belong to me are severely damaging my credit score. Despite submitting all required documents and evidence in my dispute, Experian has failed to permanently block these fraudulent items from my credit report. This not only violates my rights but also constitutes a violation of the law. 

As a result of these fraudulent items, I am facing significant difficulties in my financial life. I am unable to qualify for credit to purchase a home or a vehicle, and I can not afford to enroll my children in educational programs due to the impact on my creditworthiness caused by these inaccuracies. 

I have provided information to Experian numerous times, yet they continue to willfully break the law by allowing fraudulent items to remain on my credit report. Additionally, Experian has refused to remove incorrect addresses despite clear evidence proving that I never lived at these locations. 

Experian has also exceeded the four-day timeframe required by law to permanently block and remove these fraudulent items. Their negligence and disregard for the law are unacceptable and have caused me significant financial and emotional distress. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian promptly removes these fraudulent items from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft in the past. Time past and I start seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contacted each of the bureaus. its been over 60 days and they have yet to correct this situation.
Product: Mortgage

This loan was paid off in early XXXX in a refinancing. There is an {$810.00} overage that was supposed to be refunded, but Mr. Cooper has failed to deliver the refund. I contacted the company in XXXX, shortly after the loan was paid off. I was told to wait 20 days. I contacted Mr. Cooper again in XXXX. They claimed they had sent the refund check in XXXX. They claimed they would reissue and resend the refund check. I contacted Mr. Cooper again in XXXX, and they told me to wait 10 days. I contacted Mr. Cooper again after 10 days, and they told me to wait 30 days. Meanwhile, they have offered no evidence that the refund has actually been mailed to me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 and XXXX XXXX XXXX XXXX XXXX XXXX are not complete and not accurate.

[ XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXX XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX : # XXXX ] this account is not accurate and is result of fraud. [ XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?
Product: Money transfer, virtual currency, or money service

Purchased a XXXX phone from the XXXX XXXX  in XX/XX/2021 with Synchrony " XXXX  store financing. '' After signing up for the credit I found they would only allow online billing only. I presumed this would mean I would need to respond to an email payment request. 

After a month of not receiving any payment request I found a snail mail notification to setup a synchrony account from Synchrony. We did quickly and found a late charge was already applied for the first payment due XX/XX/XXXX which was then paid on XX/XX/XXXX. Checking into the account I now find, on XX/XX/XXXX, the full account balance due. 

We paid the late charge, setup the account, and setup monthly autopay. However, the company then made the entire balance due. Since autopay was for a fixed amount it required intervention. I'll note this was not just the last statement balance but also the current amount due after posting payment and the late fee. I paid the full balance and closed the account. While this is just an annoyance to me, this is a predatory practice for low income earners who do not have cash for such things readily available. I contacted the company through their available channels with no productive response. 

It has also persuaded me that I will never trust XXXX or synchrony to be reasonable brokers for my transactions. I have, for a decade, avoided anything XXXX due to their practices. Add to the list XXXX/Synchrony. 

Had I continued being non-responsive, declined to pay a late fee, or failed to complete another reasonable step then the full account balance due would be reasonable. However, the action of taking a late fee payment and then also demanding the full balance due is designed to ensnare late fees and put people into a debt cycle.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inquires by letter and on the phone but they have not been remove the below companies did not have my permission to pull my credit The inquiry 's was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX AUTO I
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL TRANSACTIONS ON MY XXXX XXXX XXXX XXXX XXXX   ON SEVERAL DIFFERENT DATES.. I REPORTED THESE TRANSACTIONS TO THE CREDIT CARD COMPANY WHEN CHARGES APPLIED TO MY STATEMENTS. I WILL LIST ALL TRANSACTIONS ;XX/XX/XXXX TIMESHARE XXXX-XXXX   XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXXTIMESHARE BY OWNER-XXXX HAVE NEVER DONE BUSINESS WITH THESE COMPANIES AND I TOLD THE CREDIT CARD COMPANY THAT.. I HAVE BEEN DEALING WITH MY SICK HUSBAND AND TOLD THEM THAT ALSO, BUT THEY DID NOT CARD ABOUT ANYTHING.. THE CREDIT CARD COMPANY KEPT TELLING ME I DID MAKE THESE CHARGES AND THEY STATED I DID TELL THEM I MADE THESE TRANSACTIONS WHEN IN FACT I NEVER EVER TOLD THEM SUCH A THING.. I WOULD LIKE TO RECIEVE MY CREDIT BACK FOR ALL THESE CHARGES. THIS IS FRAUD AND I WANT MY MONEY BACK.. I LIVE ON A FIXED INCOME AND NOW DEALING WITH MY SICK HUSBAND I REALLY NEED MY MONEY BACK.. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME
Product: Debt or credit management

I had singed up for debt consolidation with Beyond Finance. I would may them directly and they would settle with my creditors for a smaller amount. I was making the payments and was told not to contact or pay my creditors anymore. My scores plummeted and they said stick to the program and they will improve. I was sent copies of the settlement offers and accepted them. Out of nowhere the settlement contract was canceled and I owed all the money I owed. I asked why and they couldnt tell me. Now my credit is ruined and they didnt even pay my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got my wallet stolen and my social security number was in there. My identity was stolen and did not make these inquiries .I need these inquires removed off my credit as soon as possible. 

The accounts names and dates of the unauthorized inquires are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that I am involved in the XXXX dispute. I wish to freeze my accounts at all three bureaus. XXXX and Experian offer online locks, both websites were unable to process my online request. My attempt was made on XXXX/2017. I also tried to call Experian and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX XXXX  online service. This worries me, because they say to unlock the freeze online, but their online services are never working.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, Navy Federal Credit Union irresponsibly dispatched a XXXX check for {$13000.00} from my former business account to an incorrect address, without bothering to confirm the details with me. Following this blunder, I've been made to jump through hoops, filling out XXXX tedious statement of loss forms, only to be told to XXXX XXXX XXXX for XXXX excruciating days before they would even consider canceling and reissuing the check. Now, past the waiting period, Navy Federal continues to dangle my money out of reach, with their customer service parroting the same infuriating line about " awaiting supervisor approval '' with not even a hint of when this ordeal might end. The XXXX XXXX XXXX XXXX? A so-called " supervisor '' in customer service had the audacity to hang up on me, claiming she couldn't offer any further information. It's clear as day that Navy Federal is more than content to sit on my hard-earned {$13000.00}, letting it fatten their coffers, while a power-hungry gatekeeper decides on a whim whether or not to rectify their mistake. This isn't just incompetence ; it's a deliberate chokehold on my finances, leaving me to stew in frustration. What are my options for compelling them to act? Legal action? Regulatory complaints? Social media pressure? Navy Federal needs to be held accountable for their actions and forced to make this right, immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this XXXX XXXX XXXX account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA XXXX XXXX XXXX has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentation. XX/XX/2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did XXXX XXXX and Equifax take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters due to incorrect information on my report and it keeps coming back verified. I ask how was it verified and I dont receive a response and it been over 30 days now. I have inquiries on my report that was not authorized and a collection account thats not mine. And nothing is being investigated or disputed.
Product: Checking or savings account

Okay so I have discover bank, I was going to do payments with XXXX  but they charged me the ENTIRE thing which was XXXX so XXXX told me to cancel it with my bank call then back and we would set up the payment plan. So I did. And they reversed it. 
This was on XX/XX/XXXX of 2023. THEN, on XX/XX/year> I get a notification they discover reversed the reversal and took XXXX BACK OUT of my account. When I reached out to them asking them why they did this, they told me that XXXX  had told them to. So I reached out to XXXX  and I'll include the documents showing my chat with management at XXXX  who have ZERO RECOLLECTION OF ANYTHING, THEY DON'T EVEN KNOW ANYTHING ABOUT THAT, THEY NEVER TALKED TO DISCOVER, AND THEY TOLD ME THAT I NEEDED TO TALK TO DISCOVER. So I did, they then told me that is the back executives answer and that's all I got. I asked well who do I talk to to further continue this bs on?! He said once the executive of discover says a demand that's that. I can't do anything about it. So I hung up on him. Well I'm sitting here looking up the laws of how long banks have to answer a dispute and it says by law 90 days. Well if you do the math from XX/XX/XXXX to XX/XX/XXXX. That's 91 DAYS! SO I tried contacting them again. Played phone tag with the so called executives of discover. I talked to XXXX yeah she's a wonderful woman. Didn't help me the slightest. Well I log BACK INTO MY ACCOUNT AND I GO BACK TO LOOK AT THE TRANSACTING ON XX/XX/XXXX, AND DISCOVER CHANGED THE DATE FROM XX/XX/XXXX TO XX/XX/XXXX! THAT IS ILLEGALL! I WROTE THEM A DEMAND LETTER, HAVEN'T HEARD ANYTHING. SO NOW I'M HERE. I WANT THAT XXXX BACK IN MY ACCOUNT. AND ONCE I PULL THAT MONEY OUT. I'M CLOSING MY ACCOUNT WITH DISCOVER BECAUSE LOOK AT WHAT THEY DO! I'VE BEEN DEALING WITH THIS SINCE LAST FREAKING XXXX ALL BECAUSE WHAT! XXXX  TOLD ME TO DISPUTE IT WITH THEM, I DID. AND NOW MY CREDIT IS MESSED UP, BECAUSE ALL THE MONEY THAT WAS GOING TO MY FREAKING BANK ACCOUNT WAS GOING TOWARDS A NEGATIVE XXXX DOLLAR FREAKING AMOUNT. THEY ACTUALLY OWE ME MORE THEN XXXX CENTS. I WANT ALL THE MONEY THAT WAS ADDED TO MY ACCOUNT WHEN I WAS NEGATIVE. They changed the dates in my account. I can show you because they messed up the dates when they were putting it bag dieter or whatever. I know for a fact they retook the money back out in XX/XX/XXXX, then that would be over the 60 day limit so they then changed it to the XXXX which then messed up the dates in my account. That is why the dates are backwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX unverifiable INQUIRIES XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Account : The XXXX XXXX XXXX  Account # XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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