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

Last year on or about the month of XX/XX/2020 I received a copy of my credit report from annualcreditreport.com and I also received a copy of my credit report directly from Experian Information Solutions , Inc.XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with Experian Information Solutions , IncXXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both Experian, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

Experian, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, Experian refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.
Product: Credit reporting, credit repair services, or other personal consumer reports

0n XX/XX/2021, I have sent a letter regrading inaccurate and unknown things on my credit report. Up to this day, it is already over 60 days and I have not received any response yet. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 day period gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to headaches and stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have names, addresses, phone numbers, employers, inquiries and collections being fraudulently reported on my consumer report. I did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collections being furnished on my consumer report.

15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please remove and update the inaccurate information thats being furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below are fraudulent and werent made by me for transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries below are fraudulent and werent made by me for XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX is incomplete account and has many errors and I will unaware of this debt and have a opportunity to dispute both to these accounts. 


XXXXXXXX XXXX # XXXX
Product: Mortgage

SLS, Specialized Loan Services purchased our home owners loan in XX/XX/2018. They advised us of this fact after we had made a payment to our previous loan company, and then have made harassing calls ever since they acquired the loan. 

If they do not receive the payment by the first of every month, they are leaving messages, or calling my cell phone about payment, and the payment is not considered late until the XXXX of the month My wife and I have credit scores in the 800 's, and have never, in 20 years had issues with making our loan payments. In fact, we generally pay more than is required to get the loan paid off earlier.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a check from the New York State Department of Taxation and Finances on XX/XX/scrub>XXXX XXXX XXXX mobile deposited into my Citibank account. Later that day XXXX I received a email from Citibank stating that they received the check. On XXXX I received a email stating that the accepted the check. The following day XXXX I went to withdraw the funds and it wouldnt allow me to. I attempted to login in to my online account it would allow me to. I then reached out to the company thats when they said that my account was closed and the check is on hold to be verified. However thats they were closing my account. I asked why was my account being closed they said because the check needed to be verified to get in contact with the maker of the check. I got in contact with the treasury on XXXX and they provided a number to give to Citibank fraud department. However the fraud department denied that the number was a real number so I had a representative from the treasury department speak to someone from Citibank fraud department and verified that the check was legit but the Citibank representative got nervous and hung up. Before disconnecting the call I asked can they stop the check they said unfortunately because Citibank cashed the check they can not but they could provide a letter on their behalf stating that the check is legit and recommended that I go to a Citibank branch. When I went to the bank explained my issue to the teller who then took me to her bank manger who I explained the situation to she then asked me to get the fraud department on the phone once I did so the bank manger provided her credentials and asked for the fraud department representative credentials. After that she submitted all the documents that they asked her for and said give it two days to clear. Two days later I was still unable to access my account or funds thats when I went to a Branch near where the teller said the funds are available but the fraud department has a hold on it and he couldnt withdraw it for me so he reached out to the fraud department where they placed him on a hold and eventually hung up on him. At that point the branch manager took it from there. He then provided all the paperwork and documents that they asked for however they still wouldnt release the funds. I then reached out to them asking other documents that they need being that I provided everything they asked for the fraud representative said he couldnt provide that information to me I asked to be transferred to whoever it is that could help he stated he couldnt do so. After a while the branch manager stopped taking my calls. 



XXXX XXXX
Product: Mortgage

My husband and I purchased a used a VA loan for a purchase and closed escrow on XXXX XXXX, 2015. We have received countless letters stating we are eligible for a VA IRRRL loan. At first, I threw a few letters away, but after the fourth or fifth, I called a family member, who happens to be our lender. I know what happens to the original lender when someone refinances within six months of a purchase or a refinance. I now have XXXX letters that I 've kept, describing the VA IRRRL loan. One of the larger lenders has sent one twice, the dates on each notice only being seven days apart. 

I can not believe how shady these companies are, especially targeting XXXX XXXX service members and veterans. I feel bad for people who have been deceived and swindled by dishonest lenders, trying to make a quick buck, and therefore, costing the original lender thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT AND THIS COLLECTION WAS ON IT. THE COMPANY NEVER SENT ME ANYTHING BY MAIL, EMAIL OR ECT. TO GIVE ME A CHANCE TO VERIFY ( CHALLENGE ) THE DEBT WAS EVEN VALID.
Product: Debt collection

I, the consumer, disputed this debt in XXXX of 2020 withXX/XX/XXXX XXXX XXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. Accounts XXXX XXXX Account # XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Requested On XX/XX/202XXXX XXXX XXXX  Requested XXXX XXXX U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities withfairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothingcan be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminalliability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurateinformation or fails to provide information which he is required to disclose under the provisions of thissubchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of theconsumer given directly to the debt collector or the express permission of a court of competentjurisdiction, a debt collector may not communicate with a consumer in connection with the collection ofany debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protectsinformation collected by consumer reporting agencies such as credit bureaus, medical informationcompanies, and tenant screening services. Information in a consumer report can not be provided toanyone who does not have a purpose specified in the Act. Companies that provide information toconsumer reporting agencies also have specific legal obligations, including the duty to investigatedisputed information. In addition, users of the information for credit, insurance, or employmentpurposes must notify the consumer when an adverse action is taken on the basis of such reports.Therefore I want the following accounts to be updated to the correct amount, date, status, open andclosed date, last date of activity, and time.

If you can not complete this request, please delete theaccounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Product: Credit card or prepaid card

Case XXXX Merchant Name : XXXX XXXX ( E-COMMERCE ) Dispute Amount : {$210.00} I have been disputing an ongoing case from XXXX. As the merchant indicated in their response to Discover, I had preorder a vehicle. They claimed I did not show up to pickup the vehicle.

So I reopened the case and provided Discover with XXXX map geolocation screen-prints ( with timestamps ) to prove I was at the location. In addition, the merchant physically scanned my Discover credit card at a physical terminal. I provided evidence that I possessed insurance prior to arriving. My reason for leaving without the rental vehicle is because I ordered XXXX vehicle insurance and the company attempted to charge me extra for their " premium required insurance '' without permission. Luckily, the unauthorized XXXX fell off ( from the physical card swipe ). I was disputing the remaining preorder. I fully understand it was " non-refundable '' ; however, the merchant breached the contract when they increased the costs considerably at pickup. I provided Discover with merchant reviews to establish that they have a long history of scamming individual 's in this manner. 
I even provided XXXX with a receipt from that day, including map legend from the rental vehicle location to my dentist appointment. 

Discover ultimately doesn't care, doesn't provide fraud protection, and refuses to glance at their own records to confirm I was present at the rental vehicle location ( where the Discover card was swiped at a physical terminal ).
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL Inquiry : XX/XX/2022 XXXX XXXXXXXX Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other XXXX address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my 8 time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute
Product: Credit reporting or other personal consumer reports

Cashnet USA has obtained my information without my concern and constantly tried using my credit information to apply for credit on their site. They are either using this as an attempt to collect a debt illegally or the are committing fraud.
Product: Credit card or prepaid card

so back in XXXX of last year I bought a computer on XXXX and put it on my XXXX credit card. The guy who sold it to me gutted a bunch of apple parts on it and I took it to apple to check it out and they confirmed there was a Bunch of broken parts in it and bunch of apple parts take. out. I had proof from XXXX sent it on to XXXX and they refused to do anything about it they and I sent it to XXXX XXXX and they still reufsed to do anything about it after proof and everything. so for reason I am still paying for a broken computer this is the XXXX problem XXXX problem is I paid my bill on XX/XX/XXXX on there website eve thing looked good when I paid it so when I called on the XXXX to find out why they never posted my payment they said they never got it so I was upset talked this customer service reps who are very very rude so I paid the payment on the XXXX and asked to remove the late fee they refused take to the managers they still refused. they didn't tell me anything about adding XXXX to the minimium payment so I called on XX/XX/XXXX told them I made my payment the rep on the phone checked it and said I was fine he didn't tell me about the extra XXXX they added to the minimum payment so today they are counting me as delinquent saying I owed another XXXX on top of the minimum payment and they are charging me another XXXX late fee on top of that. so they don't post my 1st payment last month they add XXXX to the minimum and then give me too late fees. I want this whole thing fixed and my XXXX refunded
Product: Credit reporting or other personal consumer reports

I am writing to update/correct my personal information on file with your company. 

Please update my address to : YOUR name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Illinois ZipXXXX Phone : XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. They do not belong to me.
Product: Debt collection

I received a call at my job after I have already set up payment arrangements with them in the past. I have notified them that they are to only contact me at my cell phone. They have still contacted me. They are practicing unlawful methods of obtaining information and the government should be ashamed of themselves for letting companies like this get away with this.
Product: Credit reporting or other personal consumer reports

The information listed above is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). According to this statute, consumer reporting agencies must ensure the highest possible accuracy of the information they report. Additionally, your agency is in breach of [ 15 USC 1681b ] ( a ) ( 2 ), as I have not authorized the sharing of my private and confidential records. This constitutes a violation of m
y privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by CarMax Auto Finance for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against CarMax Auto Finance for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information.

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. CarMax Auto Finance has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : CarMax Auto Finance has associated XXXX incorrect addresses with my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, CarMax Auto Finance has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801.

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. CarMax Auto Finance has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Notification to all major credit reporting agencies ( XXXX, XXXX, XXXX ) to remove this incorrect information from my credit reports. 

Written confirmation from CarMax Auto Finance that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened a new account with Chime. I then downloaded the mobile app and funded the initial deposit with {$200.00} via my XXXX XXXX  debit card. No problems so far. I then initiated a transfer of {$4000.00} from my XXXXXXXX XXXX  checking account to the new Chime account. They thought that this was suspicious so they froze my account and locked me out. Even though they thought that this was suspicious they went ahead and took the {$4000.00} from my XXXXXXXX XXXX account. I got an email from them stating that they need more documentation. I have sent them that documentation numerous times but almost immediately I get an email back saying that I need to send them the documentation, which I just did. I have called several times and asked to speak to the Member Protection Team. I have been told I cant speak to them I can only email them but when I do I get the same canned response. They wont let me talk to anyone else they will only tell me to email them. It is just a continuous circle where they dont give me any workable options.