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

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

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX : Acct # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging 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 investigation into my account.
Product: Debt collection

I have been trying to get information regarding to a settlement for a collection I have with this company. I have called 3 separate days to get answers and set something up and each and every time I called them I get greeted with nothing but attitude and unprofessionalism. I ask simple questions such as " Does your client accept payments on a settlement or does it need to be paid as a lump sum '' and I got the run around and how I will not be paying anything this month so I have to wait to get this answer and then proceeded to place me on hold and cold transfer me to someone else, I had to re-explain my situation and finally got a straight answer. The next day I called back to set up a payment arrangement, when I got to a rep named XXXX she had a severely poor attitude told me to not put words in her mouth when I asked her a clarifying question. Once the arrangement was set up I asked for a letter stating my arrangement so I can give this to an apartment I trying to get into she proceeded to tell me that she wont do that because people pay the first payment and then never pay again, I explained I am in collections myself and know for a fact that an arrangement letter does not state that I have paid off this collection as I was explaining she interrupted me I told her I was not done speaking and she told that I was done speaking and placed me on hold. I immediately called back and spoke with a manager and she stated he would give her a training lesson but I do not believe anything was done. The very next day I called back and asked someone else if I was able to get an arrangement he said we can not do that placed me on hold, when he came back in the middle of him asking if I was still there he proceeded to hang up on me and did not give me the chance to respond to him. These conversations took place on XX/XX/XXXX @ XXXX .. XX/XX/XXXX @ XXXX & XXXX ... XX/XX/XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Circa XX/XX/XXXX, ( see. Attachments 1st notice ) I originally wrote to the company Experian in regards to disputing/verifying the account XXXX XXXX XXXX that is being reporting in my credit file. The full details for the account is XXXX XXXX XXXX reference number XXXX. 

Experian responded by writing back to me stating that the account was either updated or verified. I then responded to Experian on XX/XX/XXXX requesting their method of account verification. Please note that Experian at no point in time ever provided me with any account-level documents to verify disputed accounts. Be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt ( the initial communication of a debt ). I disputed this account originally circa XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Experian for this account on XX/XX/XXXX after Experian claimed the account was verified ( see. Attachments ) but no  verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately on XX/XX/XXXX, after no proof of verification was provided from Experian. Please be advised that Experian has not responded back provided method of verification within the FCRA timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Experian comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Experian more than 45 days to produce documentation to verify the account. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Experian and copies of certified USPS receipt. 

What would be a fair resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I discovered a XXXX XXXX card, a XXXX XXXX XXXX, and a XXXX XXXX card had been taken out in my name and had been used for a long time under my name. It now has gone to collections and is damaging my credit score. I have a police report that shows my birth certificate and social and ID card were stolen in XXXX texas at the same time my motorcycle was stolen and other objects stolen from my XXXX. I then went to jail for a few months and was not able to resolve the issue and life happened things backed up so Im just now getting around to taking the proper steps to reporting fraud. They ran about 27 inquiries under my name within a month or 2 period of time all across texas and California. Those inquiries have since fallen off but I remember they tried opening multiple accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX. Experian, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.
Product: Checking or savings account

I had a cash app account. I received a text message saying my phone number was taken off my account. So I call the customer service number to see what was going on. As I was on the phone the agent watched someone who had hacked into my account change my hashtag and email to something else as well as the phone number. They proceeded to watch the hacker take XXXX. XXXX out of my account. The agent froze my account and filed a complaint to get my money back. I received an email stating that my complaint was denied and I would not receive the money that was stolen back I called and they could not give an answer or provide any info about it I have attached multiple attachments
Product: Debt collection

Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX BANK XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXX  XXXX BANK XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX vears. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation XXXX, XXXX and XXXX in violation of my rights took off a inaccurate loan then put it back on my credit .... cra violation .. Notify the company with ftc and po report sent to all parties involved ....
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible
Product: Checking or savings account

On Saturday XX/XX/XXXX we deposited a {$2000.00} Bank of America pay check to our Bank of America checking account that was opened in XXXX and has always been in good standing. The check was issued to us and deposited because there was an employer error and the normal ACH wasn't sent. At the time we deposited the check we were told it would be available on Monday XX/XX/XXXX and so we completed the deposit. When we looked later, Bank of America has now decided to hold the on-us check until Friday XX/XX/XXXX. They will not cancel the deposit so we can go back to the employer and request that an ACH be sent instead. We have approximately 2.5 times the amount of the check already on deposit with Bank of America. This check is drawn off the same financial institution that it was deposited to. Our accounts have always been in good standing. The only returned item we have ever had on the account was due to an error by Bank of America in applying our overdraft protection from oursavings account which no one there was ever able to provide an explanation for. We called a couple of times and were given broad and general lists of why checks may be placed on hold, but no one was able to tell us specifically why this check was held and they refused with generic scripts to cancel the extended hold or to cancel the deposit entirely. This is an on-us check and Bank of America can tell right now if this check is good but they're refusing to do anything about it or give us any information. It is my understanding that Reg CC specifically disallows multi day holds being placed on on-us checks and requires that specific reasons be given for extended holds and that the extended holds must be " reasonable ''. None of those are being followed in this situation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized and this inaccurate address was not mine. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/year>.
Product: Debt collection

COLLECTOR KEPT CALLING ME AT HOME AND CELL PHONE 11 TIMES AFTER CEASE AND DESIST COLLECTIONS DEALING WITH XXXX MYSELF ( SEEPAYMENTS ) AND VALIDATION I I FURNISH XXXX XXXX, XXXX. SEE CELL PHONE CALLER I.D..
Product: Debt collection

I received a collections notice from " IC Systems Inc '' on XX/XX/XXXX for a debt from XXXX XXXX for {$240.00} Not being a customer of XXXX XXXX, I concluded this must have been either fraudulent or a mistake. I sent a " This is not my debt '' letter to IC systems on XX/XX/XXXX seeking documentation of the debt or asking them to cease communications. I never heard from this debt collector again. I thought this matter was resolved. 

On XX/XX/XXXX, I found the XXXX XXXX debt of {$240.00} on my XXXX credit report and filed a dispute with XXXX ( # XXXX ). On XX/XX/XXXX I was informed via email my dispute was completed and I received my dispute results via XXXX on XX/XX/XXXX. The result was " Verified and Updated ''. 

I should mention I have been a customer of XXXX XXXX for several years but there is no evidence of any balance at that account nor have I received any XXXX related communications regarding any claimed debt. 

I contacted the XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and was told via they could not share any information about the debt. I was directed to a Fraud report website XXXX XXXX XXXX XXXX XXXX where the website indicated I needed proof of residence, proof of identity, and a police report for identity theft. I guess I will have to file a police report, where I assume I will be told I need evidence of the debt from XXXX, which they of course will not provide for " security reasons ''. 

I was also directed to the FTC, who then directed me to this CFPB page.
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

There 's a {$160.00} debt on my credit report. I have not been to this doctor. I called and they say that it was my minor son 's debt. I did not sign a Financial Responsibility form so this is his debt. I did n't know he had even been to the doctor. This practice is illegal in Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/2024, I asked to change my due date to the XXXX of every month. 

I have never been charged any interest on my credit card payments - I always pay full statement balance. 

The issue is the XXXX Statement- the previous month with a balance of {$170.00} - i paid my balance in full with also the purchases made throughout XXXX which can be seen on the statements attached. 
But there was a purchase for my phone bill on the XXXX of XXXX. But they have charged me interest on the purchase made as if it is over from a previous month. 

I am concerned at the haze of clarity I have gotten from them when i have spoke to them on the phone, but even though it's {$3.00} i wanted to bring this to the consumer financial protection, because this bank is known for previous incidents. There is no way i should be charged interest on a purchase made 5 days before the statement was issued, when my final months balances have been paid off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information from XXXX, Transunion, and XXXX on my consumer report. This inconsistent and harmful reporting from these Bureaus has impacted my score making it hard to get the credit I so desire. I have suffered emotional distress, humiliation, and hardship. The continued presence of incorrect information has negatively impacted my credit standing and caused undue frustration. 
I want to highlight that this matter is similar to issues raised in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, where the CFPB alleged that XXXX failed to accurately report credit information and address consumer disputes effectively. This pattern of behavior is concerning, as it reflects systemic problems that have now directly affected me. Not to mention errors and inconsistencies, which violate the 15 U.S.C 6802 and the Privacy Act of 1974 Attached is my consumer report. I have highlighted the inconsistences of the report on each bureau. 
Under the Fair Credit Reporting Act ( FCRA ), these bureaus are obligated to ensure the accuracy of consumer reports and to investigate disputes thoroughly. I am requesting these Bureau to remove ALL inquiries charge-offs, non-mailable addresses, and wrong names. For the inconsistencies and wrong information, I want XXXX from each bureau due to my pain, suffering, and humiliation. I also want to mention that it is ILLEGAL to report transaction history. 
Please treat this letter as a formal notice of dispute. I expect a respond within the legally mandated 30-day timeframe. If these issues are not resolved promptly, I am prepared to escalate the matter to the CFPB and pursue further legal remedies if necessary. 
Thank you for your attention to this matter.