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

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}
Product: Debt collection

XX/XX/2020 Midland Credit Management Received a Pre-legal notification today from above debt agency. Called to request a validation letter. Spoke with XXXX XXXX around XXXX. When I requested the letter he told me that they already sent out the validation letter in XX/XX/2020. Explained to XXXX XXXX that I never received the letter. He then asked, How is it that you recieved this notice but not the validation letter? Advised that is the question for the US Postal service. I do not control the mail. I asked again for them to send me the letter, because I need proof of the debt. He stated they can not send it to me because they are only sent out once. Advised again I need proof of debt, i.e original contract, proof of billing and credit. He said they can not send it. I advised I will send my request in writing and they have 30 days to provide me what I am requesting. If nothing is provided in that time frame, I will consult my attorney for guidance. XXXX XXXX stayed he will note that on the file. The call started off rocky, he was trying to force me to verify information I was not willing to verify. Address- I stated that is the address on the notice that I recieved. We ended the call.
Product: Money transfer, virtual currency, or money service

I was a victim of criminals who posed as a celebrity and catfished me, placed me under duress and stress and got me to send them money via wire transfer which I did at my bank BMO Harris. The first criminal managed to get me to transfer {$1000.00} on XX/XX/2022. The second criminal got me to transfer a total of {$14000.00} which was broken down into {$500.00} on XX/XX/2022, {$3500.00} on XX/XX/2022, {$2000.00} on XX/XX/2022, and {$8200.00} on XX/XX/2022. This second criminal even went so far as so threaten me with criminal charges as he spun a story that he was arrested in the XXXX XXXX trying to get on a plane with a case of money which he sent me a video of the case of money and a picture of his plane ticket trying to come meet me because he had promised to pay me all of my money back and told me he punched a police officer and was taken to a XXXX. He proceeded to give me an email for the fbi who I emailed and the fbi sent me a clearance form to fill out which looked official so I filled it out then they asked me for {$50000.00} to get this celebrity out otherwise everyone would find out and his career would be ruined which of course was the last straw for me. Subsequently this celebrity told me that charges would be brought against me also. I did call and speak to one of the bankers that I had dealt with and she told me there was nothing BMO Harris could do to help me which I was extremely upset by and disappointed in because I have been a customer my entire life and really felt very uncared for and disrespected as a customer, not protected whatsoever which is why I found this route to get my money back since I was a blatant victim and have documentation of the wire transfers outside of the wire transfer receipt for {$500.00}, communication between myself and these criminals, email addresses, pictures, even a video to back it all up!! I appreciate your assistance with this matter as it has left me emotionally and financially devastated!! Not to mention scared since these criminals both have all of my personal information and I do live alone!!
Product: Vehicle loan or lease

I was looking for a car and went to JD Byrider. Their company, CNAC, is the company I did business with. I was late on a few payments and started receiving harassing phone calls ( violation of 15 US code 1692b ( 3 ), 15 US code 1692c ( a ) 1 and 15 US code 1692d ( 5 ). As I learned more about consumer finance, I realized they had violated my rights as a consumer in so many ways. The loan was started XX/XX/XXXX. I asked for a validation of debt pursuant to 15 USC 1692g. I sent an affidavit of facts and evidence of them violating aforementioned laws and sent an invoice of violations to them. They never responded and today took my car. I sent these documents as certified mail and have proof they signed for it. I sent it XX/XX/XXXX and it was received XX/XX/XXXX. I realized the contract was fraudulent and they left out the Truth In Lending Act which made me pursue and request remedy
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not even showing in dispute nor is removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let this fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit card

Citizens Bank sent me a new debit along with a message stating We have changed from XXXX to XXXX XXXX, Don't worry you can still use your own pinn number. Everything stays the same. 
Just activate your new card by phone or at a ATM machine. I activated my card " no problem '' On XXXX XXXX I returned XXXX items to XXXX XXXX XXXX totaling {$790.00} there was no problem the associate said this will go back on your XXXX  card. The associate tried to complete the transaction and the computer denied it because the account did not exist. she tried the new card that Citizens changed and that did not work. She tried different ways to get the money back to me but could not I went to Citizens bank and spoke to XXXX XXXX who was very helpful I was with her for over an hour and she tried also to get money into my account. She said once the new card was activated your card was cancelled. because of citizens switching from XXXX to XXXX card. XXXX still has the items I returned in XXXX XXXX store they are waiting for the Bank to give me a solution. 
My project is now being held up as well as my {$790.00}. Citizens failed to warn there customers that they will not be able to receive any online credits to the old card. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with Trans Union, XXXX, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$2500.00} CXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXXXXXX XXXX {$340.00} XXXX XXXX  - {$160.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting by XXXX on Credit Reports Dear CFPB, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit reports related to my Santander account, as reported by TransUnion, Experian, and Equifax. These inaccuracies are not only misleading but are also causing undue harm to my creditworthiness.

Upon reviewing my credit reports, I noticed discrepancies in the following areas regarding the XXXX account : XXXX. Date of Last Activity ( XXXX ) : * TransUnion reports the XXXX as XX/XX/XXXX, while Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. 
* These discrepancies directly violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies must ensure maximum accuracy in the information they provide.

2. Date Reported : * TransUnion lists the reporting date as XX/XX/XXXX, Experian lists it as XX/XX/XXXX, and XXXX lists it as XX/XX/XXXX, which further demonstrates inconsistencies in reporting across all bureaus.

3. High Balance : * The high balance differs between bureaus, with TransUnion and Experian reporting {$26000.00}, while Equifax lists {$28000.00}. This inconsistency also violates the FCRA 's accuracy standards.

4. Closed Date : * TransUnion incorrectly lists the account as closed on XX/XX/XXXX, while Experian and Equifax fail to provide any closed date, adding confusion and violating 15 U.S.C. 1681i ( a ), which requires timely correction of inaccuracies. 
These errors have led to my account being inaccurately labeled as " Derogatory, '' significantly impacting my credit profile and financial standing. The FCRA explicitly states that I have the right to dispute inaccurate or incomplete information and that credit bureaus must investigate and correct any errors within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). 
I have attempted to resolve these discrepancies directly with XXXX and the credit reporting agencies, but no meaningful action has been taken to address these issues.

Relief Requested : * I request a full investigation into the inaccuracies reported by XXXX and the credit reporting agencies under the FCRA. 
* I demand that all inaccuracies be corrected immediately, including aligning the Date of Last Activity, High Balance, Date Reported, and Closed Date across all credit bureaus. 
* I also request that XXXX and the credit reporting agencies provide me with written documentation confirming the completion of the investigation and the corrections made. 
Failure to act promptly on this matter may leave me with no choice but to pursue legal action under the FCRA, which provides for statutory damages of up to {$1000.00} per willful violation, as well as punitive damages and attorney 's fees ( 15 U.S.C. 1681n ). 
Thank you for your immediate attention to this urgent matter. Please confirm receipt of this complaint and provide a timeline for resolution. I am prepared to provide any additional documentation required to support this investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter to Transunion on the XXXX of XXXX they received it on the XX/XX/XXXX XXXX, Transunion is not responding to me in a timely manner to fix this error on my account. 

There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing on my consumer report without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again, Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway I was never late on this account.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Product: Debt collection

Calling me multiple times a day. They have called me 10 times since Thursday XX/XX/year> and today is Saturday XX/XX/year>. I've explained multiple times i can not even pay my mortgage at this time and they'd be last on my list of bills to pay and they still repeatedly call me knowing they're just harassing me for no reason and when I tell them I don't have it and need to pay my mortgage they tell me I really need to get them their money.
Product: Credit card or prepaid card

I opened a simplicity credit card that had advertising as 18 months interest free. They started charging me interest after 1 year. The did a bait and switch, and then sent me an email saying that they changed it to 12 months. I tried contacting them to get this reversed, but I was transferred around and nobody could help me. Now I am logged out of my account and can't log in. I have lost the information on my account and I can't even call to reach someone to log back in. There is no way to get my login information without my credit card or bank account number. I need to be able to retrieve my account using just my social security card. I also need the interest that has accrued to be removed as it has not even been opened yet. I opened the card XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have posted late payments onto my consumer report in violation of 15 USC 1681 ( Exclusions from a consumer credit report ) I have attempted to get these incorrect items removed as they are causing damage to defamation of character as well as enablement of Identity Fraud. 

Please have the indication of lates deleted or removal of the entire account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple instances of identity theft that have resulted in incorrect addresses appearing on my credit report. These addresses do not belong to me, and I am requesting immediate action to block these addresses and any accounts associated with them. 

The erroneous addresses are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), credit reporting agencies are required to block the reporting of information that is the result of identity theft within four business days of receiving proof of identity theft. I have provided the necessary documentation to the credit reporting agencies and am requesting the CFPB to enforce this statute to ensure these erroneous addresses and any associated fraudulent accounts are promptly removed from my credit report. 

Supporting Court Cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ** - This case supports the responsibility of credit reporting agencies to maintain accurate credit reports and to promptly correct errors. 
2. **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This case further emphasizes the duty of credit reporting agencies to investigate disputed information and correct inaccuracies. 
3. **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This case highlights the importance of timely response and resolution by credit reporting agencies in cases of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Kohls credit card company requesting a ' SIGNED CREDIT CARD AGREEMENT BEARING MY SIGNATURE ''. I have not received this information as of today. I have also sent in a copy of a FTC Affidavit, copy of my passport, and a Nevada utility bill. I did not contact Kohls credit card to change a address it was only supposed to be used for correspondence purposes only! Online fraud is flowing rapidly and I would like to see some sort of documentation with my signature on it so this can be resolved. I do have legal representation on standby if this do not get resolved immediately. Send the signed credit card agreement bearing my signature.
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 at the time of the transactions, I was charged multiple overdraft fees due to extended lagged posting of charges and credits. This issue aligns with the CFPBs most recent findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6 months, I have been trying to dispute my Credit file and have the disputed accounts corrected or deleted from my Credit Report. I have been submitting dispute letters as well as CFPB Complaints requesting that the Credit bureaus comply with the Fair Credit Reporting Act, and yet thy have done nothing! My constant requests and disputes have been constantly ignored by the Credit Bureaus! I previously sent a dispute letter to the Credit Bureaus dated XX/XX/2022. I am submitting this CFPB complaint to request to the Credit Bureaus that they look deeper into this matter as they are required to do under the Fair Credit Reporting Act. If the Credit Bureaus do not comply with the terms of the Fair Credit Reporting Act, I will be forced to file the lawsuit that we have been preparing. If it is not too much to ask, I need the following accounts corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}
Product: Money transfer, virtual currency, or money service

I was having problems with purchasing something online through my debit card so I decided to contact my bank in order to see what was wrong. In the midst of me calling, I made an error by calling the wrong support number. In that act the person was posing to be a support representative. They then asked me to transfer money to this specific account $ XXXX with a phone number of XXXX. I provided my bank with this information and within XXXX hours they denied my claim and for days I have been making rebuttals to ensure that this is a scam, yet they keep denying me. I lost {$1200.00} and it has put me in a financial XXXX. This is Chime banking.