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

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Product: Debt collection

On XX/XX/2020, I was notified that a collection agency had placed a collection on my credit report. The collection account was opened due to an outstanding medical debt that I'd received for stitches. However, I can not incur medical expenses as I am a XXXX veteran with an above 30 % rating and covered by the MISSIONS act. 

I contacted the collection agency, Consumer Adjustment Co, around XX/XX/XXXX about a mistaken medical debt from XXXX XXXX XXXX. I am a XXXX veteran who is covered for all medical debts, and the origin of the debt was notified that it improperly billed the XXXX  XXXX XXXX. 

I called the collection agency, and they told me that they could not discuss the issue with me and could not resolve it based on me being a XXXX veteran who could not legally be charged with medical expenses pursuant to the MISSIONS Act. All medical expenses are covered due to me being a XXXX XXXX veteran ( with a XXXX XXXX rating ). 

I then called XXXX  in early XX/XX/2020 and opened a dispute. After the dispute was complete, one of the debts was deleted from my credit report, but the other, an identical account with a different account number, remained. 

I called XXXX on XX/XX/XXXX to get it removed the same way the other account was, and they hung up on me once, and then muted me the second time. They did not resolve the dispute and remove the collection account from my credit report and it is still negatively affecting my FICO  score. 

I've attached the letter that I sent to XXXX  regarding the dispute. I also sent XXXX  proof of my XXXX XXXX. I can provide this upon request. I can provide other personal details and report details upon request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXX XXXX XXXX acct : # XXXX and XXXX/DOFED acct : XXXX TransUnion and XXXX and XXXX inaccurate : Personal information i have never live at these addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX andXXXX XXXXXXXX XXXX XXXX # XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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.
Product: Debt collection

XXXX portfolio services are fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with portfolio, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct inaccurate information regarding late payment reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XX/XX/year>, XX/XX/year> ) and ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers.

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

Having worked for Bank of America, I was able to see how they could care less about the consumer and more about the investors. Never in a million years would I have imagined that Bank of America would abruptly close all 5 of my credit cards for the simple reason that I had added too many authorized users. Having worked at the branch, it was widespread for personal bankers to tell the consumer that a good way to help establish credit is by opening a credit card. If the card application got declined, they would recommend having a friend or family member add them to their credit card as an authorized user to boost their credit. Not only is this very common, but Bank of America actually has a website with Better Money Habit where they recommend that. 

Straight from the website https : //bettermoneyhabits.bankofamerica.com/en/credit/how-to-build-up-credit " Another option to build credit : If you have a parent or other family member with good credit whos willing to make you an authorized user on his or her account, doing so can help you develop your credit history. '' Based on what I had learned from working in the financial industry, I added authorized users to my account to boost their credit. I never thought I was doing anything wrong. Well little did I know that this was going to come back and bite me in the XXXX. On XX/XX/2020, I found out that Bank of America had closed down all of the credit cards that I had with them with no warning whatsoever. I only found out about this because my card got declined when I tried to use it at a restaurant. I called customer service, and the reason they gave me was " irregular authorized user activity on one or more of your accounts. '' Bank of America has really screwed me over on this one. I don't know what kind of effect this will have on my credit score because not only did they closed over XXXX worth of credit but they also closed some of the oldest credit cards that I had. Having worked so hard to get to an 800+ and for it to be taken away from one day to another really sucks. I never thought I would be depressed over something like this or even have suicidal thoughts over it but honestly, this XXXX XXXX especially when you have worked your whole adult life to have a good credit score.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagging post 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: Debt collection

On XXXX I received a call stating I was being sued and that they needed my address and phone numbers of my employer to serve me on the premises. These people call about once a month. When I asked who they were in the past, they got threatening. The case number they give is fake. I've asked repeatedly not to be contacted. I've never received anything in the mail from these people prior to this.
Product: Credit reporting or other personal consumer reports

My credit report lists accounts that do not appear to be mine or contain inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 I have visited multiple car lots and I only authorized them to check my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.
Product: Debt collection

XXXX XXXX XXXX is calling not only my number, but also the numbers of relatives. This is not acceptable. They are calling from XXXX XXXX XXXX and leaving a call back number of XXXX XXXX XXXX. The message says it is regarding a debt. I have no knowledge of anything owed to this company ( I may have some other debts but I don't know about this one ).
Product: Debt collection

I am very concerned about these accounts, which are not mine : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan

Over the course of the summer, I applied for an installment loan with Avant at a 12 % interest rate. I selected a loan amount of {$11000.00} in which I thought it would be a 12 % interest rate for 36 months. On the website, the interest rate was and is hidden. Also, it is hard to tell how much you owe as well. Upon performing further research, I have learned that I am paying a 4 year loan at 34 %. I called Avant and complained about my rate and was advised I can apply again within 6 months. I waited 6 months and they said that you will actually have to wait 12 months to refinance. I have paid XXXX payments with a total amount of {$3400.00} with only paying down {$830.00} of the principal. I have a XXXX credit score and had recently applied for a pre-approval for a home mortgage, but I was denied the amount requested due to this high paying loan as it was a concern for my lender. I have performed research and have found out that this is predatory lending and I would like present my case and my loan application to be reviewed. I never applied for a 34 % Loan as this type of loan will keep individuals in eternal debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity fruad, theres closed account on my credit report that does not belong to be and keeps being " verified '' and there is no way they can belong to me. Al so there is over XXXX inquiries on my credit report that are unauthorized and fraud! below is a list od the fruad accounts and inquires... 
XXXX XXXX bank XX/XX/XXXX is a closed account {$620.00} XXXX XXXX XX/XX/XXXX is a closed account {$390.00} Here 's a list of the fruad inquires... 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX AXXXX XXXX ( Finance ) XX/XX/XXXX SXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto )XX/XX/XXXX XXXX XXXX ( Bank )XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance )XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX CBNA ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2020, I filed a dispute with Synchrony Bank regarding my XXXX XXXX account. I had made three payments on the account, each in the amount of {$88.00}, on XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The essence of my dispute was simple. XXXX XXXX literally went out of business. They closed their doors. I was never, ever, ever going to receive the furniture I had ordered. I wanted the three payments towards the furniture returned to me. 

Synchrony responded with a form letter on XX/XX/2020, that they would investigate and resolve my dispute within 60 days. As I understand it, federal law requires their response within 90 days. 

To date I have not received any further resolution of my dispute with Synchrony. They did, however, literally report my account as delinquent to the credit agencies on XX/XX/2020, even though the purchase was in dispute. It is my understanding that this too runs counter to federal law. 

I have now called Synchrony on three consecutive days only to be transferred from one department to another. Most recently, on XX/XX/2020, I was told that I would have to file yet another dispute with Synchrony for them to attempt to resolve my situation. 

Thank you in advance for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Last 4 SSN : XXXX Date of birth ; XXXX Address : XXXX XXXX XXXX XXXX, CA, XXXX To whom it may concern, I submitted a complaint against Experian to the CFPB on XXXX I did attach the identity theft report. For the hard inquiries down below in the attachments. The FTC report number it is against the law for Experian to keep the inquiries that listed on the identity report on my report. Experian has to delete all the inquiries that is showing on the identity report or otherwise, Im going to file a lawsuit against Experian. Experian until now did not respond to my dispute. When I spoke to Experian agent, they were absolutely horrible, and would not get anywhere with them. Even if I explained that I had the identity report they ignored it and hung up the line in my face. I am seeking to the CFPB to help me out with this matter. 

Best Regards.
Product: Credit reporting or other personal consumer reports

I am submitting to credit Bureau 's today to formally request the investigation to the listed account in my credit profile which is appearing to be reporting inaccurate. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days. 
XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

I informed and sent proof to XXXX that my Parent Plus loans were forgiven because of my XXXX XXXX XXXXXXXX Veteran status. I found out that it was still listed on my credit reports as still open. I tried to correct it with two of the credit reporting agencies. Transunion says that XXXX told them the balance is still due and the status is still unknown even though I sent Transunion proof also.
Product: Debt collection

Harley-Davidson Financial Services began calling multiple times a day within 7 business days of a late payment. This is a clear violation of the Fair Debt Collection Practices Act 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Below is a detailed call history and the numbers that the calls originated from : XX/XX/XXXX XXXX PST XXXX XXXX XXXX PST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PST XXXX XX/XX/XXXX XXXX PST XXXX XX/XX/XXXX XXXXXXXX XXXX PST XXXX XXXXXXXX XXXX PST XXXX XXXX In addition to the multiple calls that I receive daily, the debt collector does not leave voicemail messages to identify who called.