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

I have asked on several occasions for validation of debt from this company. I have checked my report and according to Transunion report this account was opened XX/XX/XXXX but has XXXX on account as opened. Can you please send documentation of me opening an account with this company one XX/XX/year>. I have sent a second letter to Transunion and XXXX XXXX XXXX. This company informed me that i owe them {$540.00} for a company named XXXX XXXX  who is not on my credit report. I have NO idea who this company is. I have asked on several occasion to send a copy of a contract or my signature where this debt is owed by me and NO one could furnish me this information. I have checked the cards i have and none is with this company. I can't not just pay a bill because a company tells me I owe them. Please validate this debt. Transunion has verified this debt 2 times but have yet to send me a validation of this debt. I am now in a position to take legal matter because this debt is affecting my ability to obtain credit or complete my home purchase. The only answers im getting is debt verified without documentation or verification of contract with this company. i have enclosed the letter for both Transunion and XXXX XXXX XXXX. Upon the completion of this investigation, i will have no choice but to report to the AG office and get public publicity to help with this matter at hand. Im currently in the process of formulating a video for social media to reach out to any attorney to help with this matter because its getting ridiculous that they can even send out verification of how the debt is owed by me or any contract signed by me validating. I must take the company 's word that i owe them and just pay them. This is not how things work. I owe a debt, you provide the contract or my signature on paperwork that i owe you and its validated. Anyone can say you owe them but is it accurate? Should you just trust that you owe the debt? Why pay a debt you are not sure of?
Product: Credit card

I have consistently maintained timely payments for my account and have never missed a payment deadline. It is distressing to see such an error on my credit report, as it impacts my creditworthiness and financial reputation.
Product: Credit reporting or other personal consumer reports

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

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

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for its persistent failure to correct erroneous information on my credit report, despite numerous disputes and the provision of supporting documentation. This ongoing issue constitutes blatant violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
XXXXAccount Details and Inaccuracies : ** XXXX. XXXX XXXX ( Account Number : XXXX ) - **Experian Inaccuracies : ** - Account status is marked " Closed '' with " Current '' payment status, yet it also lists derogatory remarks and mentions bankruptcy, which is incorrect. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, requiring accurate reporting. 
- The creditor remarks falsely state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is untrue and misleading, violating both FCRA and FDUTPA. 
- XXXX and XXXX correctly report this account as closed with a {$0.00} balance and no derogatory remarks, highlighting the inaccuracies in Experian 's reporting. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) - **Experian Inaccuracies : ** - The account is reported with a " Collection/Chargeoff '' status and lists an unpaid balance reported as a loss, despite the balance being {$0.00}. This contradiction violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
- The remarks state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is incorrect and misleading. This false information violates the FCRA and FDUTPA. 
- XXXX and XXXX do not report any derogatory status or collection/chargeoff for this account, indicating that Experian 's report is inaccurate. 
- Experian lists a last activity date of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
- The reported dates also do not match, with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 

These discrepancies between the information reported by Experian and the actual account statuses indicate a failure to adhere to FCRA and FDUTPA regulations. This non-compliance results in the dissemination of false information, damaging my creditworthiness and causing financial harm. 

Additionally, I have attached the credit report highlighting the inaccurate information for your reference. The attached document clearly shows the discrepancies between the reported information and the actual account details.
Product: Credit card or prepaid card

Capital One is blocking me from logging into my personal account via XXXX app. O should have access to my financial data even via a third party app such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File # XXXX XXXX Names Reported : There is no XXXX XXXX  XXXX XXXX and I have never applied for credit in that name. TransUnion has added or has a name on my credit file that is not no name I have used in any way to apply for credit at anytime
Product: Debt collection

This company has violated my rights under federal law. This company has violated my right of privacy under 15 USC 1681a ( 4 ) by furnishing negative and adverse information on my consumer report without my consent. This company has also violated my rights under 15 USC 1692g by failing to validate this debt in a timely manner after I sent them a letter. In that letter I also demanded that they cease collection and communication through any and every medium with me or any other company that's stated under law until this debt was validated and they have failed to do so. I am tired of being XXXX  as a consumer and i will not stand for this any longer. I am seeking monetary damages and I have attached an invoice for every violation under the FCRA & FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT WANT TO FIX BY PHONE NOR INTERNET.. i IT IS ALLMOST IMPOSSIBLE TO GET APPROVED FOR CREDIT AND ANYTHING XXXX .I DONT LIKE IT SO PLEASE REMOVE IT ....
Product: Vehicle loan or lease

GM financial does not allow lease transfers across state borders. Transfer can only take place in the state the vehicle was initially registered in. Very inconvenient!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has taken the debt companies explanation of terms and conditions of a XXXX office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX   review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed.

I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/year> Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I found this on my credit report and I did not apply for any credit cards. Here is the info. 
BANK of America XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2022
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 name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees incurred which resulted in the closing of my account. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. In return, my account was closed. This issue aligns with the CFPB findings against Navy Federal for similar practices, while 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

My Experian credit report is incomplete ( e.g., missing major creditors and accounts, truncated history ). My credit score is generally in the mid to low XXXX. I have had credit cards or mortgages for 30-35 years. Experian 's under-reporting of my credit history has harmed my ability to validate my credit worthiness ( establish public utility account ) and validate my identify ( IRS ). 

In early XX/XX/XXXX, I a ) failed a credit check while attempting to establish a utility account at XXXX XXXX of Virginia for a rental property I own and b ) failed an IRS personal validation process when the mortgage/credit card account information I provided was not found in my Experian credit report. 

For the XXXX XXXX request, I was required to pay upfront to establish the service. For the IRS account creation, I was told to wait 24-hours and try again. I did and I failed again although I account information for my primary mortgage and my primary use credit card. Information on the IRS site explained that they validated information against Experian credit report content. 

On XX/XX/XXXX, I requested and received credit reports from XXXX ( 30 pages, 12 open revolving accounts and mortgages ), XXXX ( 60 pages, 14 open revolving account and mortgages ), and Experian ( 4 pages, 2 open revolving accounts and no mortgage accounts ). 

The XXXX and XXXX accounts reflected my 30 year credit history while the Experian report failed reflect hardly any of my credit history including but not limited to any mortgages, credit card, store cards, etc. 

On XX/XX/XXXX, I called Experian 's customer service number ( waiting on hold for almost 2 hours ) before speaking to someone. I shared the information that I have included here. The customer representative suggested that my creditors ( which include XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) had not reported to them. She stated that the 2 open and 1 closed accounts listed in my report reflected everything that had been reported. 

During the conversation, I explained to the rep that Experian has more information than they have presented in my report. Before generating the report, each agency ( including Experian ) generated 3-4 questions that I had to answer before they would present the report. The questions were based on information contained within one 's credit report. One of the three Experian questions was related to the monthly payment for XXXX mortgage on a rental property. That mortgage, or any of my four mortgages, does not show up on my XX/XX/XXXX Experian credit report. Note : All my mortgages show up on my XXXX and XXXX  reports. 

She asked me if I had contacted all my creditor to ensure they report to Experian. I explained I had not. 

Since that time I have communicated with XXXX ( e.g., credit cards and home mortgage ) and they informed me that they report to all three credit bureaus similar to all large national creditors. 

The call to Experian ended with the customer service rep telling me that their files were accurate and there was no need for action on their part.
Product: Debt collection

This company has violated my Hippa rights and so many others. I dont know who this company is and this company is reporting wrong information on my credit report. They have called me and threatened me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct 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 XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information XXXX XXXX BANKRUPTCY DISMISSED US BKPT CT XXXX REFERENCE NUMBER XXXXXXXX XXXX XXXX BANKRUPTCY DISCHARGED US BKPT CT XXXX REFERENCE NUMBER XXXX I have even spoke with all three bureaus to inform them that XXXX Bankruptcy Court stated they do not report any public information to my credit profile. This has been a nightmare. Ive been dealing with this for years with inaccurate information on my credit profile. 
You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" IDENTITY THEF '' XXXX  XXXX, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXX XXXX  XXXX ( AUTO ) Date : XX/XX/XXXX XXXX BANK Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.
Product: Vehicle loan or lease

I purchased a XXXX Can Am XXXX XXXX XXXX, XXXX ending in XXXX in XXXX with MB Financial as lien holder. Bike was paid off in XX/XX/XXXX. 5/3rd bank now holds the title as they acquired the loan from MB Financial when they bought MB Financial in XXXX. I learned in early XXXX that the bike was still listed in Florida vehicle title records as having MB Financial as the lien holder, which was why I assumed I had not received the title. I called 5/3rd 's XXXX XXXX XXXX MI office XXXX XXXX on XX/XX/XXXX, spoke to " XXXX '' XXXX who connected me to his manager, " XXXX '' and on a later call, after contacting my local DMV to learn FL had not received the title, I spoke to XXXX. XXXX and XXXX both told me the title had already been sent to FL but neither gave me the date that occurred. XXXX stated she would have it sent again and a letter sent to me stating the vehicle was paid off that I could take to the DMV to get the title transferred to me. I told her the state of FL said a transfer of title from MB to 5/3rd was needed, and XXXX stated that info would be in the letter to the state. As of today ( XXXX XXXX ) I have yet to receive the title or said letter XXXX spoke of, and bike is STILL listed in Florida title records as having MB Financial as lien holder. I have contacted the State Attorney General of both FL and MI and both responded with filing a claim with CFPB to get assistance in this matter.
Product: Credit reporting or other personal consumer reports

I explained to the company that the XXXXXXXX XXXX XXXX XXXX is not accurate. That I did not knowingly agree to this account being opened in my name. It was opened XX/XX/2024 for {$4000.00}. They have yet to remove the account.
Product: Credit card

Hello, I signed up for a Citi Checking account in XXXX 2016 for a promotion to receive XXXX American Airline Miles ( Promotion : XXXX ). On XX/XX/XXXX I had not yet received my promotion miles, so I made an inquiry with Citi. They responded with a letter stating that " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transactions, which satisfied the terms and conditions ( Which would be ~XX/XX/XXXX ). 
Since then, I have chatted with customer support on at least 3 occasions, of which I kept record of the chat. Each time, customer service says " We have started an investigation, you will receive a reply within 24-48 hours. '' However, no reply has come. 
I have been caught in a never ending cycle of chatting, waiting, no reply. The part that makes this so frustrating, is that they charge me {$30.00} each month to have the checking account open. My confidence in Citi to be able to resolve matters in a reasonable fashion has been absolutely destroyed. 
I suspect that it 's Citi 's intention to drag me through the mud, promising promotion miles, then charge me {$30.00} a month while I wait.