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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE :  FORMAL COMPLAINT AGAINST XXXX XXXX / XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX CONTRACT NO. XXXX XXXX XXXX IS CHARGING ME FOR A STOP PAYMENT CHECK FEE OF {$15.00} AND WILL NOT ALLOW ME TO PAY ON LINE ANYMORE. 
BY MISTAKE I MADE A DOUBLE PAYMENT TO XXXX. ON XX/XX/2020 FOR {$220.00} AND ON XX/XX/2020 FOR {$220.00}. AT THE BEGINING I THOUGHT THE COMANY HAD OVERCHARGE ME BUT IT WAS MY MISTAKE, I MADE A DOUBLE PAYMENT THAT WAS REPORTED ON XX/XX/2020 TO XXXX  XXXX. THE INSURANCE AGENT CONTACTED XXXX WHO PROMISED TO CUT A CHECK THE NEXT DAY FOR THE REFUND. ON XX/XX/2020 XXXX   XXXX  INFORMED ME, THAT XXXX REFUSED TO CUT THE CHECK INMEDIATELY AND IT WOULD TAKE A LONG TIME FOR ME TO GET THE REFUND. XXXX  XXXX. ALSO SEND ME XXXX 'S EMAIL IN WHICH THEY STATED THAT IF I PUT A STOP PAYMENT I WOULD NOT BE ALLOWED TO MAKE PAYMENTS ON LINE, THERE WAS NO MENTION IN THE EMAIL THAT THEY WOULD CHARGE ME {$15.00}. MY RESPONSE WAS THAT I COULD NOT WAIT AND THAT I WOULD CONTACT MY BANK SO THAT THEY COULD REIMBURSE ME INMEDIATELY AND THAT THIS WAS AN INTERNAL TRANSACTION FROM XXXX XXXX XXXX  AND NOT A STOP PAYMENT. XXXX XXXX XXXX  RETURNED THE 2ND DOUBLE PAYMENT MADE ON XX/XX/2020 FOR {$220.00}. 
MY REGULAR XXXX INVOICE FOR THE MONTH OF XX/XX/2020 CAME FOR THE AMOUNT OF {$240.00} WITH A SPECIAL COUPON THAT NEEDED TO BE INCLUDED WITH THE PAYMENT TITLED " RETURNED CHECK CHARGE {$15.00} '' XXXX XXXX XXXX  CONFIRMED ON XX/XX/2020 THAT THERE WAS NO STOP PAYMENT INVOLVED IT WAS AN INTERNAL TRANSACTION DUE TO A DOUBLE PAYMENT FOR THIS COMPANY, AND THAT XXXX WAS NOT CHARGED BY XXXX XXXX FOR THIS TRANSACTION. 
I MADE A PAYMENT OF {$240.00} ON XX/XX/2020 WITH CHECK NO. XXXX TO XXXX BECAUSE I SAW THEY WERE CHARGING THIS TO ME ON LINE, THE NEXT DAY I RECEIVED THE BILL AND RETURNED CHECK CHARGE. 

I AM REQUESTING FOR XXXX XXXX XXXX TO REIMBURSE ME FOR THE {$15.00} INMEDIATELY. I SHOULD NOT BE PENALIZED WHEN THIS COMPANY RECEIVED A DOUBLE PAYMENT FROM ME AND THEY REFUSED TO REIMBURSE ME INMEDIATELY AS I HAD REQUESTED ON XX/XX/2020. IN ADDITION I HOPE TO BE ALLOWED TO PAY ON LINE IN THE FUTURE. 
SINCERELY, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX with no successful resolution. XXXX, Experian and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

Hello, so the situation is a check that I wrote to pay our landlord. XXXX XXXX XXXX XXXX. The check was/is from XX/XX/year>. The amount is {$5000.00}. The check was never received by the landlord and the company that manages the property we rent from. We have been in our location for 5 + years, and we have NEVER experienced an issue like this. The bank that the check was cashed is from US bank and its been two years now me having to go to the bank, give fingerprints, open a case and the case NEVER gets resolved. its just alot of running around and back and forth, and the case never reached the person that is suppose to. and the case gets dismissed. I have gone to the bank several times to do this process. They fraud department recommended me to complain here. I am coming up on two years now with my {$5000.00} just missing and the bank has done nothing to replace or figure who cashed the check. 

Please if there is any way I can be advised what else I can do to replace my money? The bank has my fingerprints and I've been dealing with this for two years. I don't know what else to do and the bank has not done much at all.
Product: Credit card or prepaid card

I only have 1 Capital 1 card with a XXXX credit limit. I canceled it and owe like {$300.00}. I been making payments on it every month. They have me with 2 cards on my credit and reporting past due on the one I have no knowledge of. I want it off my credit. Its hurting my credit badly
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Credit card

Refundable deposit of {$3000.00} paid on XX/XX/2023 to XXXX XXXX on our Discover card. 
Instead of contacting the vendor in XXXX for the refund, we filed a dispute with Discover to recover the funds. We supplied the refund letter from XXXX XXXX. Discover issued a temp credit to our card and contacted the vendor. 
Discover received validation of the charge from XXXX XXXX and denied our refund request. They posted the amount and interest back to our card. 
We contacted XXXX XXXX directly to obtain the refund. They agreed to issue it but then said they could not access the funds because Discover had refunded the money. 
I corresponded back and forth between Discover and XXXX XXXX  for months being denied by each one. They are pointing fingers back and forth saying each one has the money to refund. 
Discover said I need to get a statement saying that the funds would be refunded back to the same Discover card instead of the refund letter that I had. 
We sent a statement from XXXX XXXX saying the moneys were refundable back to the Discover card used for payment but Discover is still not accepting this. 
We have been charged approximately $ XXXX in interest thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 CIC Credit made an inquiry on my XXXX  credit report. Because I never authorized CIC Credit to pull my credit report, I contacted CIC Credit demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. CIC Credit never responded with any type of valid proof that they had permissable purpose to pull my credit report.
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 XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681b 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: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate reporting, and it is inappropriate to report unlawful claims. Please ensure the accuracy and correctness of all your claims, supported by verifiable evidence.

I kindly request you to provide evidence for the existence of the account and its permissible usage. If such evidence is lacking, I expect the removal of the account from the report. Please send me physical documentation of your actions and an updated credit report. 
Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Despite this efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. I trust that 3 Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your hep to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Citizens Pay Account Number : XXXX Balance : XXXX Citizens Pay Account Number : XXXX Balance : XXXX The above XXXX accounts have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose.

Citizens pay has violated each of these US Codes, put in place to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok i have been trying to clear up some inaccurate late payments with The Lending Club since XX/XX/XXXX and for some reason they will not acknowledge or fix the error art all. There are 2 accounts reporting 30 day and 60 day Late payments in XXXX. Now these accounts are on auto pay and i have never ever missed a payment with the Lending Club. The account they come out of has never overdrawn or anything, so the payments should have been paid out as scheduled. I spoke with Lending Club on the phone about this and told them the error was on their side not mine. Even with this they refuse to take responsibility and are reporting these late payments on my credit profile which is seriously hurting my credit score nd making me look unreliable to any financial institutions causing me to get denied for loans both personal and for my business. If these payments were actually mossed I was never notified properly 21 days before the due date to even clear up the billing error.
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX  Open XX/XX/XXXX Account 7 XXXX XXXX  Account number XXXX XXXX Open XX/XX/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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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: Mortgage

Dear CFPB & FCRA, I am submitting an complaint in regards to my previous complaint # XXXX with Navy Federal Credit Union XXXX XXXX Mortgage Solutions as it relates to complying and resolving my problem with applying for a Conventional Home Mortgage, the issues still remain. 

Navy Federal has assigned me to several loan and resolution officers forcing me to have serval different conversations of instructions, XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX  # XXXX after I clear presented in several written statements my disadvantages and need to use and apply my reasonable accommodations moving forward with my loan process, since the last submitted complaint I have been sent emails from different people as well as direct back to loan officer XXXX XXXX XXXX # XXXX for any issues regarding my loan. 
I am being giving different instructions by each and have become overwhelmed with XXXX  as I am a XXXX patient and have been XXXX so to the high amount of XXXX & stress with the purchasing of a home as a first time home buyer. 
Navy Federal Credit Union has brought great confusion to me triggering my XXXX XXXX XXXX XXXX XXXX 

They have also not processed other resolution requests to dispute the negative personal and inaccurate information reporting on my credit due to their lack of evidence and investigation to help resolve these issues, not to mention when I started this home buying process back in XXXX of 2022 my credit scores were excellent and have been sabotaged & deceptive throughout this whole process. 

According to the Fair Housing Act, Equal Credit Opportunity Act, and the CFPB and FCRA consumer protection it is illegal to discriminate against anyone seeking to obtain a mortgage, home equity, loan to build, repair, or improve a home based on, because of race or XXXX, religion, national origin, XXXX, marital status, age, XXXX XXXX XXXXXXXX ) and received income from any public assistance program and familial status. 
It is also against the law to discriminate and deny the rights of individuals with disadvantages under the XXXX XXXX XXXX the right to use any reasonable accommodations in m aiding them with work, school and any explanation orientation regarding discussion of patient information to reinforce any important topics. 
Because of the blind communication between several loan officers and Navy Federal agents, therefore I am demanding a resolution to work with a well experienced agent that is knowledgeable about the home buying process for first time home buyers for the duration of this loan at the Navy Federal Credit Union Branch in my local area at XXXX XXXX, Unit XXXX, The XXXX, Tx XXXX one on one particularly a woman who I can visually identify with and can walk with me in person step by step with consistency with great clear communication skills. 
The do not trust this previous agents as they have misguided me and disregarded my having disadvantages position and need. 
Please submit this request to resolve this resolution immediately. 

Respectfully submitted.
Product: Money transfer, virtual currency, or money service

XXXX  the money to the name and email address the illegid company told me to so I can purchase a puppy. Delivery was last Saturday and never had any communication with the carrier service they informed me was doing the transport. Called the company and there was no such transport under my name or confirmation number. XXXX the website to make sure legit company and there was no reports. After not getting emails from carrier and no such reservation for me I XXXX the website again and now it's flagged scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my understanding it was false information on my credit report that XXXX TransUnion an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft
Product: Checking or savings account

I was being charged for XXXX and never authorized it and never used it for some woman on the internet. 
I wanted to cancel XXXX but they were unwilling to do so. I paid {$50.00} charged by the bank to cancel the payments but I am still being billed for something I never authorized or used. Could you please have the TD Bank cancel XXXX and no longer charge me the monthly fee. 
TD promised to reimburse me the fees for the past months but now refusing to do so. 
I am being charged for XXXX which I do not want and never ordered.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the account from my consumer report no later than XXXX business days after such information Ive provided. Account ( XXXX XXXX  XXXX, {$1500.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am an authorized user on the XXXXXXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  and XXXX  have removed this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification that a credit inquiry had been placed on my XXXX report from Barclays Bank. I have NOT applied for ANY credit anywhere. I contacted Barclays Bank and was told that they don't show any accounts under my name, social or birth date. I advised them that I want the inquiry removed from my XXXX. They said they can't do that because I have no accounts with them. I contacted XXXX & they said I need to ask Barclays to delete it. I did that and they said they can't help me. They ran my credit from SOMEWHERE and it was not me! I want this removed!