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

Im submitting a complaint to you today to inform you I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. 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. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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 the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX  || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX  || DATE-XX/XX/XXXX XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX XXXX || DATE-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly note that the presence of this information contradicts the regulations set forth in 15 U.S. Code 1681i ( 5 ), which specifically addresses the removal of inaccurate or invalidated credit information. As such, I respectfully request the immediate removal of this data. 

According to my records : 1. XXXX 2. Chrysler Capital 3. XXXX XXXX XXXX XXXX 4. XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX  AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested a copy of my consumer credit report for Transunion. I also requested a copy of my consumer credit file. I was not able to download a copy of my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of my credit report.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

The XXXX XXXX XXXX was traded in the month of XX/XX/XXXX. Ally Financial has reported a late payment. I called today and they are now saying the dealership is responsible for {$95.00}. They were paid in full and Ally has confirmed they have been paid by the dealerhsip. I have a confirmed tracking number from the dealership. Ally has never contacted me about any of this. Now I have a late payment and owe a balance. I called Ally Financial today and this was the information I was told. I now have to contact the dealership about the {$95.00} although the payoff amount was stated at the time of the trade in.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My HSN account is with Synchrony Bank - contact me and I will provide more information about this account. 

My statement now has a new line item - {$1.00} for paper statement fee. 

I contacted Synchrony twice to inquire about the fee and to request the fee be waived. I absolutely do not want to receive electronic notifications nor do I want to set up an electronic auto pay due to the high susceptibility for hacking and fraud. They indicated this was implemented for all statements after XXXX. 

I have had an account with HSN for several years and consistently pay the amount due on time every month. I think it should be my choice to receive a paper statement and should not be charged a fee for it. 

Can you help? It does not seem right to charge a senior citizen - or anyone- just to receive a paper statement. 


Thank you
Product: Credit card or prepaid card

I thought that I was on automatic debit, but it was actually not set up. This resulted in a single late payment that dropped my credit score almost 100 points. I called and was told that automatic debits can not be set up over the phone, even though previously I was told it was, then I was told to set up online which I did but it still was not set up. Called again and was told it is not possible over the phone or online and I was sent a form to set up. This has been a back and forth with Navy Federal. The only resolution for their error was a suggestion to dispute with the credit bureaus. I explained that would do nothing if Navy Federal validates the late payment.
Product: Credit card or prepaid card

First week of XX/XX/XXXX I received a letter in the mail stating that XXXX XXXX XXXX XXXX would soon become American Express XXXX Honors " XXXX " ( not sure if that is correctly spelled ) card. I assumed that XXXX XXXX  would close my account, send me a bill and Amex would send me a new card. None of this happened. Instead I am flying out for work and my card didn't work any longer. I called XXXX bank from the airport and they explained that XXXX sold their account to American Express and XXXX has no way of viewing or sending me any other information. Everything is now in the hands of XXXX. I call XXXX with a number provided by XXXX. After a half an hour of talking to them and explaining that I have not gotten any info from them or a card. They said they would rush one to me as I returned from my work trip. Nothing came. I called on Tuesday XX/XX/XXXX and it was supposed to be to me no later than Sat. XX/XX/XXXX. I called back from the airport on my next trip and again another half hour and three reps and I told them to close my account and bill me. Then they sent me to another rep who started all over again. Then they emailed me after and I returned the email to close my account and bill me. I don't want to do business with this kind of company that can not be professional and responsible. I don't know what to do at this point. I want my bill so I can pay it off and close the account. But I keep getting no where. 

Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, XXXX, Experian and XXXX. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, XXXX, Experian and XXXX and I was told to contact the merchant directly, in which I had already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Equifax had a security breach of 143 million americans. Instead of offering to tell you if you could be effected by this they make you sign up for a protection plan which also makes you sign away your legal action to go after them for their faulty security. This is their fault and to make the people mostly effected by it sign away their rights to know if they are affected by their mistake is wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 
XXXX XXXX Account XXXX
Product: Student loan

I submitted a payment on or about XX/XX/XXXX or XXXX 2022. The payment was received on XX/XX/2022 and funds released from my bank. I waited patiently and the total current balance did not update. In addition the outstanding principle did not change nor did the accrued interest amount. It is now XX/XX/XXXX and the information still has not changed. I called Nel Net- the service provider- on or about XX/XX/XXXX and informed they didn't know why it was not updated and a " specialist '' would reach out and I would receive a response within two business days. To date, I have received no such response. 
The total amount paid was {$1400.00}. spread over approximately 4 loans. My credit report reflects no such payments as my outstanding balance has not changed despite making a sufficient payment. 

Therefore my credit is being adversely affected as my outstanding balance has not changed in relation to this patient - resulting in increased interest rates and harming my reputation of paying my bills timely.
Product: Student loan

My daughter took out four private student loans through Mefa. Each application she applied as primary borrower and Mefa had me, her father, sign in and sign as Co-Borrower. They approved all her applications. The loan Agreement also shows her has Borrower and me as Co-Signer. Mefa uses XXXX XXXX XXXX ( XXXX ) to service their loans. When this company reached out to me listed as primary and my daughter as Co-Signer. The refuse to correct this and indicated this is standard process. They send the bills to me and send a letter to my daughter saying she co-signer and they reached out to me. I am not sure how they legally can do this- I never agreed to be primary and none of the loan agreements supports this. Please help. They are rude and refuse to help. I am loan Application so you can see.
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX and Transunion on XX/XX/2024 and XX/XX/2024 disputing items on my credit report that I do not know of. I have not gotten a response back from XXXX and Transuion verifying the debt or informing me that they were going to initiate the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove the following inaccurate information from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 I have contacted them as of XX/XX/22, to inform them I've never resided at these locations, that is not my name, and some of the addresses are not identified by the XXXX. The rep XXXX refused to remove despite inaccurate reporting because in her words, " they are reported by creditors. '' This is inaccurate reporting on Experian 's behalf.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the Metro 2 reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

I hereby express my profound disappointment and concern regarding the infringement upon my rights. I have meticulously outlined the various issues pertaining to your reporting in the accompanying document. Regrettably, it appears that the aforementioned document is both inadequate and fails to meet the standards that I deem acceptable. I would like to remind you that in accordance with the law, it is imperative that you duly certify all aspects of the required FCRA/Metro 2 compliance, ensuring that such certification is executed truthfully, correctly ( in a timely fashion ), and comprehensively and accurately. Failure to adhere to these obligations may necessitate my escalation of these matters to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my respective Attorney General.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despit 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 setteled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Continential finance Debt collector, is threating to garnish wages, take me to court, they have been calling my phone resticted. 
I have not been served, and have not received any settlement bill from them
Product: Debt collection

I have already addressed this issue, and now commerce bank has put me back on the credit card and also my credit report. 
Link to last complaint filed- https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Now it's back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a collections letter from Logicoll , LLC about an unpaid debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Logicoll , LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment regarding the repeated inaccuracies on my credit report, which I have brought to your attention multiple times. Despite my previous disputes under the Fair Credit Reporting Act ( FCRA ), the errors persist, causing undue stress and financial harm. 

I have meticulously documented the discrepancies in my credit report, including [ specific inaccuracies, such as incorrect account information, inaccurate payment history, etc. ]. These errors not only tarnish my creditworthiness but also undermine my ability to access fair financial opportunities. 

As per the FCRA regulations, credit reporting agencies are mandated to ensure the accuracy of consumer credit reports. However, the lack of resolution to my previous disputes indicates a failure to uphold this obligation, leaving me frustrated and disillusioned with the credit reporting process. 

I urge you to promptly investigate and rectify the inaccuracies on my credit report in accordance with the FCRA provisions. I expect a thorough review of the disputed items and timely updates to reflect the accurate information. 

Furthermore, I request that you provide me with written documentation of the actions taken to address my dispute, including any updates or corrections made to my credit report. Transparency and accountability are essential to restoring my confidence in the credit reporting system. 

Failure to resolve this matter satisfactorily will compel me to explore further legal avenues to protect my rights under the FCRA. I trust that you will take swift and decisive action to correct the inaccuracies and prevent similar issues from recurring in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.