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

YOU BROKE THE LAW Equifax Pursuant to

15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attac
hed documents ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this complaint as a follow-up to my previous communication to the XXXX, Equifax, and XXXX XXXX XXXX the identity theft incident I experienced. According to FCRA section 605b, XXXX XXXX XXXX are obligated to remove and block any unauthorized inquiries listed on an identity theft report. Once again, I have attached the necessary documents to support the blocking and removal of the inaccurate information that has been posted on my report. Below is a list of inquiries that are not associated with me or were opened without my authorization : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Again, according to FCRA Section 605B ( a ) the XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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 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.

Im
Product: Credit reporting or other personal consumer reports

Recently, my credit score has improved dramatically. I deal with two banks. One bank that is my primary posted my credit score XXXX points lower than the other. I realize that all credit reporting services have different numbers. But this low credit score.

Is rather dramatic compared to the other bank.

And that hurts my overall credibility when concerning financial matters.

For their part, the bank in question wash their hands of the issue. My contention is that if you have three or more credit scores from various services shouldnt there be an amalgam of the three averaged out to reflect your true credit score?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Transunion CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  ( XXXX XXXX ) - XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX ) - XX/XX/XXXX, XXXX XXXX XXXX XXXX Finance/Personal ) - XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Bank )- XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) - XX/XX/XXXX inquiries not authorized by me. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I see many inaccurate items on my credit report which I have informed this credit reporting company about but I keep getting ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit Bureaus XXXX, XXXX and Experian to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.
Product: Checking or savings account

I reached out to navy federal about unauthorized activity in my account from XX/XX/year> up to XXXX currently I called canceling my card before anymore money could be taken. Thieves stole money from my account at {$100.00} a time back to back totaling {$3700.00} I reached out to my bank as soon as I seen the activity that had taken place when I explained that I didnt have a XXXX XXXX in my name only Navy Federal and that this was very unauthorized they then started my claim. The very next day my claim was closed I called them back asking for the reason why my claim was closed and was told because I have to prove that I dont have a XXXX XXXX I called XXXX XXXX and asked if there were any accounts with the name matching mine and was told no there is no account for that person on my call with XXXX XXXX they verify thru voice saying there is no account for the name matching mine I reached back out to navy federal with the details given and they still denied and declined to open my claim at this point I feel violated by Navy federal and would like some help please
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Consumer Loan

i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. 

they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$3500.00}
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
XXXX. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Debt collection

On XX/XX/year>, I filed a complaint with CFPB regarding XXXX XXXX XXXX regarding a credit card debt that was disputed and deleted from all three credit reports. 

Then on XX/XX/year>, I contacted the company in writing and disputed the debt that was disputed with the credit bureaus and requested at that time the company stop contacting me regarding a debt that was determined by the credit bureaus to be invalid. This company continues to call, email and even send text messages after being told repeatedly to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

In XX/XX/2015 I leased a XXXX XXXX ( three-year lease ) and received financing from XXXX XXXX I set up automatic payment for all payments. 

Recently, they are claiming that I have one remaining payment. I asked them numerous times to send me via US Mail or email a copy of the statement -- especially as there are other charges ( disposition fee, and wear-and-tear ). 

They told me they would send via certified mail the statement, but I have not received anything yet. In the meantime they are harassing me with unlimited telephone calls demanding that I pay. I believe I have a right to a paper or PDF copy first.
Product: Mortgage

in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem.
Product: Credit reporting or other personal consumer reports

I am Filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds withing 24 hours stating the account is accurate without 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFBP recent administrative proceeding ( File No. 2025-CFBP-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provide consumers with the necessary proof on investigation. The are the account that I have marked inaccurate * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with all XXXX bureaus
Product: Credit reporting or other personal consumer reports

Dear Compliance Department, I am writing to formally dispute the validity and reporting of the above-referenced account purportedly owned by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 1. Inadequate Proof of Debt Validation : Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors are required to provide sufficient evidence that substantiates the validity of the alleged debt. In your correspondence dated XX/XX/XXXX, you referenced bill statements and terms and conditions on file as validation. However, these documents alone do not constitute adequate proof of debt ownership or the legitimacy of the debt claim. I hereby request clear and verifiable documentation, including : Proof of assignment or sale of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Full payment history that demonstrates how the amount alleged became due, including any fees or interest added ; Evidence that XXXX XXXX XXXX has the legal right to collect on this account. XXXX. Erroneous Credit Reporting : The credit bureaus use the " Date of First Delinquency '' to determine the timeline for derogatory reporting under FCRA 605 ( 15 U.S.C. 1681c ). You have indicated this date as XX/XX/XXXX, but no substantiating documentation has been provided. Additionally, I dispute the accuracy of how this account is reported. Under FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers must ensure that information reported to credit bureaus is accurate and complete. If this can not be demonstrated, I demand that you cease reporting this account and ensure its deletion from my credit reports. XXXX. Allegations of Unfair Practices : In your response dated XX/XX/XXXX, you claim compliance with federal and state debt collection laws. However, the lack of meaningful investigation and resolution of my concerns raises potential violations under FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt. Demand for Action : Given the above concerns, I respectfully request : Comprehensive validation of the alleged debt in compliance with FDCPA 809 ; Immediate investigation and correction of any inaccuracies related to credit reporting ; A cease-and-desist directive regarding further collection activities until proper validation is provided ; Written confirmation that any inaccurate information has been corrected or removed. Failure to provide the requested documentation or to correct any reporting errors within 30 days will prompt me to file further complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney General. Please respond in writing to this dispute at the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I completed an application with First Digital Credit Card after they send me an offer for {$700.00} credit card via XXXX match credit option lowered the amount to {$300.00} and requested me charged me {$95.00} to accepted a credit of XXXX  XXXX additional charged me {$75.00} to the credit amount. After they said that the payments due date is XX/XX/2023 changed it to XX/XX/2023 without any expressed notification after I uodated my new mailing address due to things beyond of my control and when I made the payment on XX/XX/XXXX. 2023 appeared as a late payment and charged me late fees XXXX  XXXX fees are illegal and they changedthe due date in misleading and confusing terms. They changed without previous notification and consent. Iam not a silly person. I believed that someone in ny previous address is receiving my mailing and making identity theft or the previous apartment complex administration is receiving my correspondence and making identity theft.i need that financial institution removed the late fees charges because they was the responsible for the changes without notification.