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

The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.
Product: Credit card or prepaid card

I purchased a travel insurance on XXXX XXXX, XXXX for {$140.00}, using Chase Credit card # XXXX. 
I cancelled our trip, and XXXX XXXX XXXX issued a refund. However, because this credit card is already closed, Chase bank returned funds back to the merchant bank on XXXX XXXX, XXXX. 
I received a letter from Chase Bank explaining what happened. ( see attached letter from Chase dated XXXX XXXX, XXXX ). 
XXXX XXXX XXXX can not locate refund of {$140.00} because Chase Bank misspelled two names and XXXX XXXX XXXX  could not trace the fecund. 
Chase Bank needs to correct the misspell to read as : 1. XXXX XXXX 2. XXXX XXXX XXXX I would like to see a resolution to this matter and finally get my refund Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company has filed bad payment reports that have affected my credit score significantly, never had miss a payment and the bank lowered my credit limit taking away the available balance that was already payed, they keep bumping the fees and keep charging so they make it seem like the account is past due when it's actually been paid by the due date.
Product: Debt collection

I received a letter that said that I owe {$29.00} dollars to general insurance. I paid the full amount of my debt. I get car insurance trough a brooker ( XXXX XXXX ) they are the one that switch my car insurance, the same day I switch insurance trough freeway, my debt was paid and set up another account. I always paid XXXX XXXX XXXX, and was not able to pay to general insurance directly and was not able to do any changes to my account directly. XXXX XXXX was responsable for any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX  accounts that appear on my credit report immediately.
Product: Checking or savings account

XX/XX/23 - I made a {$920.00} ATM deposit of 2 XXXX XXXX sequentially ordered money orders : XXXX for {$500.00} & XXXX for {$420.00}, ( purchased and mailed to me by my long-time tenant ) at a BOA ATM at XXXX XXXX XXXX , XXXX XX/XX/23 - They were immediately reversed XX/XX/23- I received a letter dated XX/XX/23 that the 2 items couldn't be deposited XX/XX/23 - I received a second letter dated XX/XX/23 that was supposed to include the above rejected items so that I could try to re-deposit them. However, when I received the letter, only the {$420.00} money order was attached, not the {$500.00} XX/XX/23 - I immediately went to the branch at XXXX XXXX XXXX XXXX and spoke to the lady manager. She informed me that there was nothing they could do in the branch and had a teller provide me with customer service # XXXX to initiate a claim to find the lost money order XX/XX/23 - I re-deposited the {$420.00} money order with the teller, and it went through just fine ; completely valid money order, no problems XX/XX/23 - XXXX - I called the number given to me and spoke with XXXX , she said I had to wait 10 business days from the XX/XX/23 letter before I could file a claim, to give the second money order time to arrive back to me XX/XX/23 - XXXX - I called the number above again and XXXX in SC opened claim # XXXX XXXX XXXX XXXX, I was credited the {$500.00} to my account the next day and I was to give them 45 days to research XX/XX/23 - I received an email of a message on my account that they were unable to pay this claim and the {$500.00} was debited from my account XX/XX/23 -> XX/XX/23 - I proceeded to reach out to any and all people at Bank of America that could possibly help me resolve this issue as I obviously had no power and my issue just kept getting dismissed. I finally threatened that I was going to file a police report for theft of funds XX/XX/23 - I received an email from XXXX XXXX from the above XXXX XXXX branch to contact him XX/XX/23 - I made ( another!!! ) trip to the XXXX XXXX branch, XXXX reopens the claim, giving me hope for a final resolution XX/XX/23 - I received yet another rejection of my claim/unable to pay and to add insult to injury, I noticed that the bank had credited my account XXXX, yep XXXX XXXX!, on XX/XX/23
Product: Money transfer, virtual currency, or money service

I am a license XXXX XXXX agent in the state of Alabama. On XX/XX/2021 I took a rent payment via the app Cash App for XXXX XXXX and XXXX dollars. Approximately ninety days later my tenant filed a dispute with her bank over the charge. I can easily prove it is a valid charge. 

Here is the issue. Because the charge was through Cash App, the bank does not know who actually received the money and when I asked Cash App for the banks information Cash App refused to provide it. 

Because of this : 1 ) The bank can not properly investigate the disputed payment.

2 ) I can not contact the bank to provide information about the disputed amount. 

Cash App advice is too me was to contact the sender directly. With Cash App effectively giving her a default judgement from her bank, she has no reason to cooperate.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have been a victim of identity theft due to the Louisiana Data Breach ; as a Louisiana resident, all of my personal information was impacted and exposed, including my name, social, dob, and more. This Data Breach made global news. The inquiries below are not mine ; they result from identity theft. As this is not mine, nor do I account with these companies. My credit report needs to reflect more accurate information and remove inaccurate inquiries. 

Identity theft Inquires below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX XXXX XXXX birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the XXXX, XXXX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false XX/XX/XXXX under the account number XXXX balance XXXX $ This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my XXXX XXXX. I XXXX  reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of these late-open accounts are essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX Owed : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and transunion pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Product: Debt collection

I have incurred a collection from XXXX XXXX that has negatively impacted my credit. The account collection was turned over to Jefferson Capital Systems. My credit report states that this account was opened XX/XX/2020 and the amount owed is {$1300.00}. I have never owned an account with XXXX XXXX and have no knowledge of this account. I have disputed this fraudulent account more than once with each credit bureau to no avail.
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 lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions 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 or other personal consumer reports

XXXX XXXX Account Number XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Debt collection

FromXX/XX/XXXXthrough XX/XX/XXXX I rented from XXXX XXXX paying XXXX monthly. Upon providing my 30 days notice in XX/XX/XXXX, I moved out on XX/XX/XXXX. XX/XX/XXXX I went to XXXX XXXX 's office in XXXX, Tn to return all keys and garage openers. I asked if anything else was needed, nothing more was needed and I scheduled to be present during the final inspection walk through. After the walk through with maintenance/inspector was complete, I called XXXX XXXX again and spoke with XXXX XXXX XXXX to ensure nothing was else was needed, I was told everything was complete and that my deposit would be mailed out to my new address. In late XX/XX/XXXXI received my entire deposit back in FULL to my new address that was provided. 

9 months later : This year XX/XX/XXXXXXXXXX/XX/XXXX I started receiving calls from a collection agency ( NATIONAL CREDIT SYSTEMS ) stating that they were calling on the behalf of XXXX XXXX. The woman on the line stated that I owed XXXX XXXX {$90.00} in unpaid debt, I informed her that I would not speak to her regarding that matter because it could be a fraud to collect money. I contacted XXXX XXXX on XX/XX/XXXXand was transferred to collections, after not being able to get through I left my name and phone number, and was informed that someone would call me back. After no response I called back on XX/XX/XXXX and was transferred to a voicemail again. No one EVER returned my call and the collection agency calls stopped as well. I thought it had to be a scam because I never heard from either party again. 

That is until XX/XX/XXXX a collection account from XXXX XXXX in the amount of {$90.00} was placed on my XXXX and XXXX report causing my credit score to drop drastically. I do not owe this debt, all debt was paid in full before I moved and my deposit was refunded back to me in full.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

WFG is whom we used to close on our home sale, now the mortgage was solely in my ex-husbands name, I was excluded, however I was on the title of the home. We closed and five days later, the company calls and leaves a message that I need to return all the monies wired to me as XXXX XXXX  did not " provide '' a proper payoff statement to them when we closed. I asked EVERYONE one involved if the amount we were splitting was accurate and everyone assured me it was.

Upon further investigation on my part as I received nothing from the company to describe what the issue was with the payoff, it comes to my attention that WFG completely MISSED the interest that was due ( and actually listed on the payoff statement ) so the payment to XXXX was short. I have never received any updated information regarding this, just a lawsuit. The sued my ex-husband as well and they got a default judgement against him, and are also coming after me. They have yet to admit they missed it completely, and two years later are coming after me. I was not on the mortgage, the interest that should have been paid to the mortgage company on behalf of my ex-husband is not my debt.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX* HERITAGESCCU 9/10/2021 SYNCB/TJX DC 11/13/2021 SYNCB/TJX CO 11/13/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, REGIONAL ACCEPTANCE IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Product: Debt collection

Due to the fact that my Identity was stolen a fraudulent account was opened up with XXXX. I have a police and FTC report in regards to being a victim of identity theft.
Product: Checking or savings account

I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for XXXX XXXX  monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.
Product: Debt collection

I was informed on XX/XX/XXXX, that a letter was sent to my employer telling them to garnish 20 % of my checks. I never received any notification of any judgements or collections against me. I emailed the law firm that represents XXXX XXXX asking them what the garnishment was for. They told me to call them, which I did. They said it was a judgment on an auto loan from XXXX. I asked for more information and they told me that they didnt have the original judgment. Just that my name and social security number were attached to it. I began looking for options and doing some research on my own. After finding numerous cases like mine involving the same collection agency, I tried to contact them on XX/XX/XXXX. They didnt answer or call back. I sent XXXX emails on the same day, with no response, asking for a copy of the debt verification and the date they used as the start date of the debt. I found on my own that they are not the original creditors and there was no motion made to revive the judgment so they are past the Statute of Limitations also.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my consumer report without my permission. Please delete these items from my consumer report