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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Debt collection

In 2018 I had an emergency I went to XXXX XXXX in California I talked to my insurance at the time they said they would pay it next thing I know I have a collection on my account from Rash Curtis & Associates later when I went to someone to assist me with getting it taken care of I noticed the amount owed on the debt is going up and continues to go up when we called to work something out the operator wasn't receptive of a payment plan or anything. This issue has gone on all my credit reports XXXX XXXX XXXX XXXX.
Product: Debt collection

Capio Partners called my worked number and my cellphone numbers multiple times don't leave a message or anything does it on a daily basis from different phone numbers XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Letter of Explanation of account ( s ) in dispute submitted to credit agencies XX/XX/XXXX The account in dispute is the Hyundai loan from XXXX for a leased car. 

XXXX turned in the Hyundai about 60 or 90 days prior to the end of the 3-year lease. At the time the car was actually turned-in, I tried to pay off the remainder of the balance, but Hyundai told me they would send a final bill for the remaining balance on the lease. Thirty days later, I had not received the final bill so I called them. They indicated that the bill had been sent hardcopy ( via mail ) three weeks prior and the payment was required within ten days of the invoice being issued- hence, the payment was already overdue by approximately a week. 

While on the phone with Hyundai, I explained that I did not receive a paper bill in the mail and also that I had always received and paid our bills electronically. I confirmed payment arrangements and sent the payment via bank transfer - all while still on the phone. I informed the agent that the payment had been made and the call ended. 

Several weeks later, as I was balancing the check book, I noticed that the final payment made to Hyundai had been recently returned to our account, as the recipient had failed to process the transaction.

I called Hyundai again and explained they had failed to process our final payment. Again, I confirmed payment arrangement and made the final payment via bank transfer while still on the phone. 

Several months later ( around XXXX XXXX ), late payments up to 120 days appeared on my credit report. I entered a dispute as it is my opinion that the late payment for the final balance was not due to our oversight or negligence but rather that of Hyundai. In the dispute, I provided copies of our bank statements indicating that the final payment made ( which was one or two days late at the time ) had been returned due to lack of processing. 

I've tried several more times to dispute the late payments on my credit reports and was denied each time by Hyundai. In the past almost 7 years, I've purchase two new cars, got several loans, remortgaged our house, etc. all while having these late payments on my credit reports. I believe that these late payment notices on my credit reports have impacted the interest rates on all of the aforementioned personal business dealings and more. The late payments are still on my credit reports. 

Recently, I became of a lawsuit in which Hyundai settled in XXXX to pay {$19.00} XXXX due to incorrect credit reporting practices to the credit agencies. This has effected my life not only financially but emotionally as well. I would like to be part of this settlement and if my name is not already on the list of the millions of consumers that were affected by this, then I would like to know how I can get my name on the list. 

Lastly, I can provide the original letter that we sent to Hyundai back in XXXX along with our banking statements showing our attempts to pay the outstanding balance of the lease when we turned in the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 within 24 hours stating 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, 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 CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. the following collections accounts were disputed with equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I talked to Transunion Credit Reporting Agency on XXXX XXXX and they told me that the disputed account XXXX XXXX  was verified as accurate? I have sent Transunion several letters requesting a copy of the full description of the reinvestigation process to remove XXXX XXXX  from my credit file. I asked what did they updated? What did they modified? What did Transunion really investigate? If Transunion did, why XXXX XXXX is not reporting on my XXXX and XXXX credit report. I have continued to send more documents to Transunion along with my XXXX and XXXX credit report to remove XXXX XXXX. The Credit Bureaus are required to perform maximum accuracy of any disputed accounts across the board. I did not received a copy of the full description of the reinvestigation during the allotted time frame of the FCRAXXXX has violated 15 USC1681 ( i ) ( 5 ) ,15 USC 1681 ( i ) ( 7 ), 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( s ) ( 2 ). Transunion failure to provide description of reinvestigation, by FCRA law, the disputed account SHALL be removed promptly. Transunion said they have received the FTC report, XXXX attorney report and other reports to get this account removed. Documents that Transunion had asked for.
Product: Credit card or prepaid card

In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.
Product: Debt collection

Presser, Felt & Warshaw LLP called me to collect a debt although I do not owe them any money. When I called them and requested that they stop contacting me, XXXX XXXX at extension XXXX, proceeded to ask me questions that I didn't feel comfortable answering and when I refused he said that he would not remove this number because I wouldn't answer his questions. Why should I have to provide information to a debt collector that I don't owe any money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ Kikoff said I opened an account which is not true I was incarcerated at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my XXXX report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!
Product: Credit reporting or other personal consumer reports

I have been divorced for over 10 years. I sent over my divorce decree to capital one bank and capital one XXXX to let them know thats my name is not what they have on file. They did delete one account but they still have one that will not let my name go with that second last name.
Product: Checking or savings account

On XX/XX/2018, I notified USAA via international phone call that my debit card was stolen/lost. I was advised that a new card would be sent to me within 5-7 business days. During this time and up to end of XX/XX/2018, I was traveling frequently and wasn't home all the time. On XX/XX/2018, as I was going through my mail, I realized that my debit card never arrived. I reviewed by checking account statement and noted that there was fraud on the account. I called on XX/XX/18, I again called USAA to report the fraud and order a new debit card. I was advised that a fraud claim was opened and new debit card ordered. I was told it would take 2 business days to have the money placed back into my account. On XX/XX/18, I conducted USAA via chat to inquire about the status of the fraud claim and was advised via chat message that a fraud case was never opened. USAA failed to comply with Regulation E, Section 1005.11 on XX/XX/18 when they were first notified of the fraud issue. USAA also mislead and lied to me regarding how long the process took to refund my money. Additionally, USAA has caused me substantial injury relating to financial harm as a result of failing to honor my fraud claim and continuing to charge me fees for overdrawing my account. Due to USAA unfair practice they have committed a violation of UDAAP pursuit to regulatory guidelines.
Product: Mortgage

I was going to buy a home for my family and I using a VA loan through Veterans United out of Missouri. It seemed like they knew all about these type of loans, its even a part of their name. I was pre approved on XX/XX/XXXX for the loan and began looking for a home. Found one we all really liked and paid {$500.00} to have it appraised. It was worth XXXX and so my loan was going to be for that amount. I paid {$1000.00} in earnest money to the sellers realtor. Veterans told me that there was a {$3000.00} bill that didnt even show up on my credit report and that if I paid that off in full, they would do my loan. So I paid the bill off in full. They wanted tax transcripts but I did not have those at the time because there was a backup at the IRS processing returns. I drove two hours away from my home to an IRS field office to have my XXXX filed taxes stamped by IRS official stamp. I did find out while there that they had no record of my XXXX being filed, so I came home and paid {$150.00} to an IRS electronic filer individual who works for the IRS and has the Efile machine. So then I have record of my taxes being filed for XXXX and my stamped XXXX. By this time Veterans has asked me to provide a substantial amount of proof and verification of things which I did. Everyday there was something new. I had plenty of money in the bank, my debt to income ratio is extremely low and my credit score remained good. They gave me a closing date of XX/XX/XXXX, sent me my closing documents. The day before closing, my loan officer decides that the underwriters need my XXXX tax documents as well and a bunch of other things Ive already submitted several times. Then I was informed I would not be closing and was denied. This was the day before closing, after submitting the same documents again and again. They didnt even tell me these things until pretty much the close of the business the day before the closing. So basically I lost the home, the sellers had in the contract they wanted to close in 30 days and we had Already went way past that and had to ask them to extend our contract before already. So now here I am no loan and I dont understand why. Why keep asking for more and more so late in the process like the day before closing. This had been going on since XX/XX/XXXX. So I lost the {$500.00} appraisal, they said if I paid the {$3000.00} bill that wasnt even showing on credit report they would do my loan, thats paid. I dont understand being denied the day of my closing. It was heartbreaking to my wife, child and myself. This seems extremely shady and bad business to me. Im going to complain to anyone who will listen. XXXX XXXX and XXXX XXXX of Veterans United is who was handling this. Also whenever I submitted something they asked for it would take days sometimes for them to even look over. Or they would say they did not receive it when I can see on their website they clearly did receive it.
Product: Mortgage

PHH AND THE HACKERS THEY PUT ON ME ARE CURRENTLY ILLEGALLY HACKED INTO THE PUBLIC COMPUTERS AT THE XXXX XXXX XXXX IN XXXX XXXX XXXX PREVENTING ME FROM DOWNLOADING THEIR FRAUDULENT DOCUMENTS THAT THEY ILLEGALY HACKED INTO THE DEEDS AND RECORDS DEPT. AT XXXX XXXX COURTHOUSE HERE IN XXXX XXXX AND PLACED TO FRAUDULENTLY AND ILLEGALLY FORECLOSE AND THEN EVICT ME FROM MY PROPERTY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THE ATTACHED DOC IS 100 % FRAUD AND THEY ARE PREVENTING FROM SUBMITTIN IT TO SHOW EXACLTY THE CRIMNAL AND ILLEGAL HACKING THAT THEY ARE DOING TO HOMEOWNERS HACKING IN AND FILING FALSE AND FRAUDULENT DOCS IN A COURT OF LAW TO EVIC, STEAL, AMD THEN FRAUDULENTLY SALE HOMEOWNERS HOMES. 

WHEN IS THE FBI AND OTHER LAW ENFORCEMENT AND REGULATORY AGANCIES GOING TO GET INVOLVED AND CRIMINALLY CHARGE THESE HACKERS ALREADY?!!!! 

THESE HACKERS NEED TO FACE CRIMINAL CHARGES ALREDY!
Product: Checking or savings account

Capital One has known about their system issue for several days and failed to notify users. Not receiving my direct deposit has severely impacted me on making payments on important bills. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding certain accounts on my credit report. I noticed that these accounts are being reported to XXXX, but not to other credit reporting agencies, such as XXXX. This raises concerns about the verification process for these accounts, as it appears that they may not be consistently reported across all credit bureaus. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX 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: Debt collection

This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred. 

When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's. 

I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.
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 accounts and account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished information to XXXX, XXXX  and Experian of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, XXXX  and Experian were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions 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.