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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX  XXXX XXXX XX/XX/XXXX COLLECTION/CHARGE OFF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX XXXX. XXXX Account name : XXXX XXXX. XXXX Account name : XXXXXXXX XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
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 NFCU for similar practices, where transactions were 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

there is old or wrong information in my employer and location, and wrong name, and Ssn. 
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. 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, credit repair services, or other personal consumer reports

I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. XXXX XXXX stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigation. LvNv funding only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as LVNV funding. It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. XXXX has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an induced XXXX  waiting for a XXXX XXXX. Please help me in fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two companies are at fault. The first agency is Equifax. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is XXXX XXXX  - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and Equifax. The original creditor explained they have a 30 day rotation before they would infowm XXXX  and recommended I contact XXXX  directly. I gave XXXX the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Checking or savings account

I would randomly get charged a a return item check fee when on the other side it would decline dating back from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Product: Money transfer, virtual currency, or money service

On XX/XX/2015 Wells Fargo accepted a bond for {>= $1,000,000} from the XXXX Family Trust. On XX/XX/2015 XXXX XXXX sent an email stating that the inquiry has been logged into the queue with the receipt number XXXX ( XXXX XXXX ). I was never able to access the funds because Wells Fargo Stole the bond and closed my account. Fraud has not statue of limitation.
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, XXXX XXXX XXXX : # XXXX, 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 an 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 submitted FTC complaint about being an identity theft victim. Please remove these unauthorized inquiries from my credit report. 
EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX 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: Checking or savings account

There are several transactions which I have placed in dispute with Capital One 360, two purchases from XXXX on or around XX/XX/XXXX, XXXX and XXXX, these are items not received. An item in the amount of XXXX on XX/XX/XXXX is a fraudulent purchase made on XXXX, XXXX is the merchant. This account was closed, however, I was able to place the items in dispute via website today, XX/XX/XXXX. I do not know whether or not Capital One will assist with these charges or not due to account status. I attempted to resolve said transactions with respective merchants, however, XXXX has been uncooperative. XXXX has not replied to messages left via XXXX. These items are about two months old, I've been messaging the merchants on and off since late XXXX with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Payment ( {$1200.00} ) sent via XXXX XXXX  bill pay on XX/XX/XXXX and tracked that Select Portfolio servicing received payment on XX/XX/XXXX ... ..On XX/XX/XXXX I spoke with XXXX  XXXX and confirmed check had been received by Select Portfolio Serv ... Spoke with mngr " XXXX '' at Select Portfolio on XX/XX/XXXX and he stated check had not been logged into system... ..I made another immediate payment of ( {$1200.00} ) on Select Portfolio 's website resulting in a {$5.00} charge ... .I requested a stop payment from XXXX XXXX on the XXXX but was informed it could take up to XXXX days to implement and was later informed that the original check was finally processed by Select Portfolio on the XXXX XXXX  XXXX!!... Because of the check processing delay by Select Portfolio Serv. a double mortgage payment was made!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.
Product: Debt collection

I was never provided any documentation regarding such creditor. I have been given various collection amounts but no paperwork to prove it. Also, I get around 2-3 calls per day from the debt collector threating me to such an extend that they 're telling me that it will never be removed from my credit report.
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 XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Company is marketing a loan offer, but appears to be trying to provide credit counseling services instead. When I asked the representative if this was a credit counseling program, she said no it's a loan and it's not like credit counseling programs which damage your credit. 
The financial product that was described to me sounds exactly like a credit counseling program. I asked for the contractual terms of the program, so I could review them to ensure this program would not damage my credit. The company refused to send me the contractual terms stating that I had to go further in the process according to the FTC before they could send me anything. I only wanted to confirm this isn't a credit counseling program and now based on my last email with them, they do say this could damage my credit. 
My concerns are that 1 ) the company is falsely marketing their financial product, 2 ) the company is actively trying to deceive during phone calls on what financial product it is offering, 3 ) the company is refusing to send contractual terms for consumers to review the product until they have verbally agreed to proceed.
Product: Checking or savings account

In XX/XX/2022 I opened 2 CD accounts in response to Citi offer of 4+ %. In fact rate was reduced to 3.68 % with no explanation or notification. 
I talked to account manager, she told that nothing can be done about it. 
Please help to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information being reported via chex systems, no knowledge of accounts XXXX XXXX XXXX XXXX provided chex systems PO REPORT and FTC report.
Product: Credit reporting or other personal consumer reports

There are a lot of unauthorized inquiries on my credit reports and I would like them to be removed
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an account on my credit report that I know contains inaccuracies. Under the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), I am entitled to have accurate information reported. 

The account in question is ( XXXX ) associated with ( XXXX XXXX ). Upon reviewing my credit report, I have identified several inaccuracies that do not accurately reflect my credit history. I request that you investigate this matter and update the account to reflect accurate information. 

Please be aware that, according to the aforementioned sections of the Fair Credit Reporting Act, all information reported must be 100 % accurate across all three credit reporting agencies. If this request is not fulfilled within 30-45 days, I will proceed with litigation to seek damages of {$1000.00} for each inaccuracy found on my report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX I see that XXXX is the only credit burial that applied the attention to my other laters and made an update to this late payment. All I am asking at this point is for Transunion XXXX XXXX to update this payment to paid in full or on time as XXXX has done. 



The following attached document of the bank statement is prove that I summited a payment to XXXX XXXX the XXXXXXXX XXXX XXXX XXXX XXXXXXXX which is the time they reported me as late.
Product: Credit reporting or other personal consumer reports

XXXX/COMENITY/IKEAVC Account number XXXX Account type Credit card I had two marks on this account for 30 days past due. They occurred during XXXX, and I was not receiving a regular salary during the shutdown. I had been in contact with the company, and they said they understood and would work with me. 

I had paid off the account and requested that the two marks be cleared since I did communicate with the company when these events did occur, and secondly, I paid the account off. Mailed a XXXX  letter to the company XXXXXXXX XXXX XXXX. I received a response from the company on XX/XX/2023 declining my request. I did not think this was fair, but I did not know what else I could do.
Product: Credit reporting or other personal consumer reports

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXXXXXX XXXX Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Ive contact the credit card company back in XX/XX/2020. Ive ask them to close my account several time because it was an old account. I stated that needed to clean my account because i was purchasing a home and needed fix my credit. They stated that they will send me a letter with a response about my account and could not help me at that time. Months later when i look at my credit score the only account i see that is delinquent and still no closed it this one which has rendered my credit and my plans of home buying. Ive never owed them anything and kept adding charges to this account. Which has really butchered my credit for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put on fraud because of my mother 's account and when she was XXXX she put me on her bank account and therefore she had filed and by association they put my name as fraud and I can open a bank account and this is to clear my name