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

Per 15 USC 1681 the account information on both the XXXX and XXXX reports are seriously incorrect and should be removed from my report. The balances of the US Bank revolving account. 

A letter forwarded to US Bank on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. 

Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.
Product: Vehicle loan or lease

Dealerships ran multiple unknown credit reports at the same time. Many hard inquires which are impacting my credit. I tried to dispute but no response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 really hope you can help me. Experian and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
Product: Debt collection

FlexShopper sold my debt to a collection agency who threatened legal action and to sue me over something that happened over 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXXXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax and XXXX  that i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I have a store Kohls card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX 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  have 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.
Product: Credit reporting or other personal consumer reports

Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX XXXX XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX XXXX XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXg # : XXXX Bank : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : WELLS FARGO XXXX XXXX XXXX  Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Product: Credit card

I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

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

I am filing this complaint against XXXX XXXX  for illegally reporting my transaction history to credit reporting agencies. This reporting violates my rights under federal privacy laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). 

Details of the Complaint : XXXX XXXX  has been reporting my transaction history to credit reporting agencies without my explicit consent and in a manner that violates my privacy rights. I believe this reporting is illegal for the following reasons : 1. Violation of Privacy : Under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers financial information. XXXX XXXX  has failed to adhere to these privacy requirements by disclosing my transaction history without proper consent. 
2. Inaccurate Reporting : I believe that the transaction history being reported does not accurately reflect my financial activities and may contain errors that adversely affect my credit profile. 
XXXX. No Proper Authorization : I have not authorized XXXX XXXX  to share this level of detailed transaction information with third parties, particularly credit reporting agencies. This constitutes a breach of my rights under the Fair Credit Reporting Act, which mandates that only accurate and permissible information be shared. 

Previous Attempts to Resolve : I have attempted to resolve this issue directly with XXXX XXXX  by disputing the accuracy and legality of the transaction history reporting. However, these attempts have been unsuccessful, and the bank has continued to report the information despite my objections. 

Impact on Me : The illegal reporting of my transaction history has negatively impacted my credit score and my ability to secure credit. This has caused significant financial harm and distress.
Product: Debt collection

this account XXXX XXXX XXXX XXXX is inaccurate & should not be on my credit report, this inaccurate information is henidering me from mortage approval, I am asking that you remove ASAP, I have no knowledge of this account & it should not be on my report. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I obtained by Equifax credit report ( confirmation number XXXX ) and after reviewing it I noticed that I have 2 negative accounts that I do not recognize reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance.
Product: Credit reporting or other personal consumer reports

Ive asked Experian to do a full investigation on account XXXX  XXXX XXXX XXXX that shows inaccurate information on my credit which is hurting my credit. I payed the account off to XXXX  XXXX XXXX XXXX in XXXX and it shows written off ect on the account and still updated as of XXXX. This account was paid in full. Experian did not do a full investigation. XXXX  XXXX never gave me any 1099 ect on the write off on top of me pay the {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX finewise/opploans, and XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated upstart, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no debt, no therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to remedy this issue with Equifax Credit Information Services , Inc. but they are willingly non-compliant I notified them on XX/XX/2022 of the inaccurate information that they are unlawfully reporting on my credit report but they did not correct any of the violations nor have they provided me with no means of verification or proof that the inaccurate items that I'm disputing on my credit report are accurate.
Product: Student loan

Account # XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX XX/XX/2023, XXXX XX/XX/2023 violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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.
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, we transaction 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

XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ONXX/XX/2015. 
CHARGED OFF IN XXXX OF 2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY EQUIFAX AND XXXX  HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had Experian block some fraudulent information on my report as I am a victim of ID theft. They did this promptly and I am very impressed at how they handled it. However, I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and state there is a delinquent account. When I try to drill down into the account on my Experian creditworks there is no account there. I think that some of the blocked information is still effecting some versions of my FICO score. I have attached the screen shots so this makes more sense. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and bankcard 8 are above 750. 
I think this is because one of the accounts I had blocked was a fraudulent collection account, however it reported as a charge off collection EVERY month. ( if that makes sense ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.