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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed as reporting inaccurate information which has caused me to not be able to obtain credit. The CRA 's are only updating personal information and are not correcting the inaccurate reporting of the account. This account was paid in full and has been for over a year. XXXX XXXX falsely updated payment information, but failed to report the overall account status correctly. This has been ongoing and is now representing an intentional attempt at destroying my credit. By provisions of the Fair Credit Reporting Act, I am now demanding that this account be removed from my credit report since I have made several legitimate, yet failed attempts to work with the CRA 's and XXXX XXXX to correct. Please delete the accounts from my credit reports, as they are inaccurate and the company is refusing to properly report them.
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 credit. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by Capital One NA on XXXXXX/XX/XXXX. Here, I was signed into my existing Capital One credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called Capital One NA, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Address does not belong to me. I have no access or knowledge of those address.
Product: Credit card

XXXX/XXXX/16 Discover XXXX XXXX XXXX XXXX, DE XXXX XXXX : CFPB case # XXXX This case was instituted to address ALL prior disputes in particular case # XXXX. 

By my action in case # XXXX, ALL previous disputes on this single issue, are satisfied and closed. 

The reason is that the state of these XXXX ( XXXX ) Discover credit card accounts have been addressed to meet with my satisfaction. 

Account # 's ending in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX  Account # XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date : XX/XX/year> Delete this account.
Product: Student loan

I have contacted Navient multiple times advising them that I had not cosigned on XXXX different loans held by a XXXX XXXX. I have requested the fraud form from them numerus occasions and have still never received such a form. I had contested the items with the credit burros who one of the main three has found enough evidence to remove the reporting to my credit. XXXX is my ex-wife who had asked me at one point to cosign in which I said I would not as all bills were covered and she had federal school loans that covered her schooling. I have advised Navient that I was on Military orders when she signed my name to the first loan and also offered to provide said orders to them proving such. This loan was taken out XXXX in the amount of {$6000.00}. I have also informed them that I filed for divorce from XXXX in XXXX of 2012. Navient also allowed XXXX to open XXXX more loans with me listed yet again as a cosigner. The second loan for {$5000.00} was taken out XXXX, This timeframe I was again on military orders and no way was available to sign any paperwork, this too has been conveyed to Navient with no resolve. The third loan was taken out in the amount of {$5000.00} on XXXX, at this time XXXX was not living at my residence as I had asked her to leave and filed for XXXX. During the XXXX  none of these loans were disclosed to me and I had no knowledge of them until years later when I attempted to buy a new vehicle and they said no because of the debts. I have since filed to press charges on her with the Michigan XXXX  XXXX  and a report has been made. Navient has also been informed of this report and given the report number. Navient still refused to remove me from the loans and also failed to present any loan documents containing my signature. Subsequently I have found out that they allowed XXXX to complete all the loans online and signed a digital signature without asking to provide any of my identification or speaking to me as well. I am not sure where else to turn to have this removed from my credit fully and not be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX  XXXX XXXX has been paid off and they are reporting me having a balance
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account # XXXX, XXXX XXXX. Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXX XXXX XXXXXXXX XXXX Account # 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 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 XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other 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

XX/XX/XXXX throughXX/XX/XXXX I paid my student loan to XXXX XXXX  which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement
Product: Credit reporting, credit repair services, or other personal consumer reports

In my transunion and XXXX  report which lots of inquiries which I don't recognize
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ________________________________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Debt collection

XX/XX/2109, we had my daughter t the hospital. She is almost 2. 

The hospital sent bills, over and over with one listed as a XXXX. I called the hospital and talked to their financial people and they told me they didn't see that charge. I told them I have multiple prints of the bill with the XXXX listed. They told me they don't see that. 

I asked them to send me a bill with all the itemized amounts. They never did that. 

I tried to dispute it with the credit organization and nothing came from it. But, they did send me the medical bills and there WAS a bill with the XXXX that didn't happen.
Product: Debt collection

Regrettably I have to file a THIRD complaint about yet another scamming debt collection agency, this time I.C System in XXXX XXXX MN. This follows on from two other complaints I filed against XXXX XXXX and XXXX XXXX XXXX, all three companies are harassing me for a supposed debt of {$1300.00} I owe to XXXX XXXX. I will reiterate what I have stated in the two other complaints in that I do not have and never have had an account with XXXX and this is complete fraud. As I commented in a previous complaint, I have no doubt that this IC System is in collusion with the other two companies to commit fraud on as many unsuspecting individuals as they can.
Product: Debt collection

Lendmark manager or supervisor repeatedly called me back to back almost 9 times in one day and kept calling me the rest of the week. After I had already called them them and told them I changed jobs signed the papers to move my payments to my payday. Next day called me all day until my phone finally died at work. And continued calling. I hired a lawyer to represent me which they took.my lawyer sent them cease and desist letter and they contacted me again. My lawyer contacted them. Now I looked you closed the loan out and its not the original amount. This is not suppose to be on my credit it is in litigation. And Lendmark knows this already. Not even my correct address.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/scrub> 2024 I received a notification from my bank that I had {$300.00} charged from my savings account by Flexshopper, which put my account in the negative. I immediately reached out to the company for clarification and learned that when I had discussed a solution for addressing a past due amount of {$300.00} on XXXX XXXX2024 that I would be charged twice that week on Friday the XXXX XXXX XXXX. Since XX/XX/year>2024 where I used Flexshopper at XXXX XXXX  for critical auto repairs, I have been making weekly payments of {$100.00} ( which was already {$36.00} more than I was told I would have to pay on their website when I was approved for {$1700.00} / with monthly payments of {$64.00} ) and had missed a few payments due to employment issues and already had been struggling with them suddenly double charging me in a week so I would have {$200.00} being taken out of my savings and putting me in the negative, I wanted to get this issue sorted out as soon as possible. Instead not only was I not charged at all on that day but they had added an additional {$100.00} for this week, leading to the {$300.00}. I have reached my breaking point with this company as theyve throughly messed up my credit and my fathers credit as hes attached to my bank account, Ive missed rent and utilities days because theyve taken any savings Ive had out of my account and customer service was next to impossible to get ahold of. Especially as Im only {$180.00} away from paying back what I originally borrowed.

Since this situation and making the previous complaint, things have deteriorated further as after XXXX XXXX payment, Flexshopper has not pulled any funds from my account even though our lease agreement terms have not changed nor has the payment plan changed to be manual payments and the only notifications I have received were a text saying my account was now passed due an additional {$100.00} even though no payments had been processed. And when I reached out on XX/XX/XXXX to learn why this was happening and to resume payments, I was placed on hold for over an hour after reaching a representative and I was then hung up on. And when I tried to make connect again, the number wouldnt connect and I was specifically in the best location for cellular service so I know my call wasnt dropped and I tried for two days after to get in contact with someone to address the situation to no avail.

So Im making a new complaint not only for the previous {$300.00} payment on XX/XX/XXXX but that Flexshopper has now for two weeks since ceased our automatic payment plan and making my payment now {$500.00} past due and purposefully dodged my calls and made contacting them difficult in retaliation for filing the first complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

Inconsistent late payments on my credit report need correction to match my usual history.
Product: Debt collection

On XX/XX/2021 XXXX located at XXXX XXXX XXXX , XXXX XXXX, PA XXXX, who is a A third party debt collection agency REMOVED the collections account ( Acct # XXXX ) on my XXXX, XXXX  and XXXX  report after I disputed via certified mail and asked for debt validation. I asked them to send the agreement they alleged have with the original creditor that duly authorizes them to collect on behalf of my alleged debt. I asked them to send the agreement reflecting my signature that confirms my acceptance of the obligation. and I asked them to send the complete payment history on the account. They DID NONE of these things. -WHICH IS WHY IT WAS DELETED ONCE ALREADY. ( documents are attached to this complaint ) The response was removed because they COULD not validate my debt nor could they provide proper documentation that supported their allegations. I got a notification that my credit score dropped 4 points due to a new collection account. Well, XXXX/XXXX  decided to report this account AGAIN. This has caused so much damage to my credit report after I properly went about disputing the information and they failed to provided proper information in return. Lets not forget that they have been in violation of many of my consumer rights that are backed by laws and continue to do so, by " choosing '' to furnish inaccurate collection account information on my consumer report that I did not give permission to report pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ). They may not know but I am well aware that a consumer as the right to privacy and can ELECT to have his/ her name, address, and any other information excluded from a consumer report : 15 usc 1681 ( c ) ( 1b ) ( iii ).

Secondly, I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and have simply been in violation of my consumer rights pursuant to FDCPA, and 15 usc 1692 ( a ), 15 usc 1681 ( a ) ( 1 ).
Product: Credit card or prepaid card

I called the merchant and American Express relating to a duplicate charge at XXXX XXXX XXXX  in the amount of XXXX  on XXXX  and no one will provide a resolution for the duplicate charge. You can clearly see that the transaction number is the same and Americam Express should have controls in place from allowing the merchant to charge twice on the same transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.
Product: Checking or savings account

On XX/XX/XXXX I opened a Chase checking account using a promotional coupon I received from Chase which offered a {$200.00} reward if certain conditions were met. On XX/XX/XXXX i received an email from Chase stating that there was possible fraud on my account and that i should go to the nearest Chase branch with 2 forms of ID to address the issue. Once i arrived at the Chase branch, I was told that my checking account had been compromised and that my account would have to be closed, and a new account opened to replace the old account. So the Chase branch closed my existing account and provided me with paperwork and an account number for my new Chase checking account. On XX/XX/XXXX, I realized i had not received the {$200.00} in my checking account and I went to the Chase Branch to inquire why not. I spoke to the Vice President at the Branch, XXXX XXXX, who said she would research the issue and get back to us by XX/XX/XXXX. On XX/XX/XXXX, after not hearing from Ms. XXXX, we called her and she explained that since " we closed the original account, '' we would not be getting the {$200.00} reward. We explained that " we '' didn't close the account, Chase closed the account due to fraud. She continued, very rudely, to explain that there was noting she nor Chase could do and that we would not be getting the {$200.00} reward, even though we met all the requirements for receiving the {$200.00} reward. I was very upset and inquired about closing my accounts to which she replied, " you already know the procedure for closing your account, you did it the first time. Its just like you did it before. Come in to the Branch with 2 forms of ID and we'll close it. '' This made me extremely upset. XXXX XXXX is falsely implying that we voluntarily closed our Chase checking account. We did not. Chase closed our checking account when they noticed someone tried to fraudulently withdraw from the account, and then Chase opened a new account. 

Ms. XXXX was extremely rude, cut me off when I was talking and made it seem like we did something wrong by allowing Chase to close our compromised account. Chase is attempting to withhold the {$200.00} new account award by closing my original account and opening a new account, and then placing blame for the original account closing on my wife and I.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX