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

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

This account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.
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 SIMILIAR PRACTICES, WHERE TRANSACTIONS SETTLED WITH INSUFFICIENT BALANCES DISPATE INTIALLY AVAILBLE 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

I have notified Experian 5 times that an account they placed on my credit report does not belong to me. I did not ask Experian for a credit boost. I did not submit any documents to Experian so they can place an account on my credit report for a credit boost. I already have enough credit so I would never submit a request for a credit boost. This could be an account that belongs to my father since we have the same name
Product: Debt collection

I originally disputed this debt on XX/XX/year> with XXXX XXXX at XXXX mst. I requested a copy of the contract from the original debtor, XXXX, and I wanted to see what all the charges for like an itemized contract for each item for the total cost that I supposedly owed. I called back around 31-33 days after and asked if they sent the contract however I do not have that date and time saved. I can retrieve from XXXX XXXX XXXX if need for proof though. I tried to come to an agreement with the company and they refused to come to an agreement which I do have screenshots of that in chat. They threatened to get an attorney and sue me and take out a lawsuit against the debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX fraudulently obtained a loan at XXXX XXXX XXXX   and arranged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of repairing her car. After receiving a copy of the loan documents and seeing that my name was forged on the note I filed a Police report. The report along with an Affidavit of Fraud and copy of my ID were emailed to XXXX XXXX XXXX so that my name could be removed. They subsequently informed me that they had send a verification code to my cell phone which XXXX XXXX had been borrowing since hers was not working and she apparently also responded to the code. I had never consented to the loan and 2 days after the loan I discovered that XXXX XXXX had attempted to negotiate a personal check on my account and fraudulently signed by her for XXXX XXXX.A Police report was made on the check fraud which she admitted to police that she had done. She had been staying with us temporarily while waiting for a house was readied for her to move into. I had trusted her and she had access to everything in my home.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX, the XXXX XXXX XXXX XXXX ruled in my favor to rescind a contract to purchase XXXX XXXX XXXX XXXX whose checking account was with Chase. The order states the following : " Wherefore, default judgment is entered in favor of XXXX XXXX XXXX XXXX and against XXXX XXXX ; the XXXX Purchase Agreement dated XX/XX/XXXX, is.rescinded, the parties are returned to their pre-Stock purchase Agreemert status ''. 

I have notified Chase about this judgment and sent the judgment to them. As of yet, they have not complied with the Court Order to remove anything to do with this account from my credit record and return the account to XXXX XXXX. I have also filed a declaratory action against Chase  in XXXX XXXX Illinois due to their inaciton.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed 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  To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I submitted a dispute to an item in my Experian credit file via their online portal. Since that time, I have been receiving daily email advertisements from Experian that are unrelated to my dispute ; the latest was an ad for some sort of " dark web scan. '' Clicking the unsubscribe link in the message shows You are currently unsubscribed. However, the message itself also states : This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. 

15 U.S.C. Chapter 103 requires senders of commercial email messages to provide a working opt-out mechanism. They can not choose to simply ignore my previous request to unsubscribe. 

Experian does not have my consent to promote their goods and services to me via email. I provided my email address because it was required in order to dispute the false information in their report. Using it for advertising purposes is immoral, and refusing to honor unsubscribe requests is illegal.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX sold the Mortgage to another company since its been sold to them they are reporting late when I have payment proof which is attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX  as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Product: Credit reporting or other personal consumer reports

This items should be deleted effectively immediately as its been told to me by fraud department from consumer reporting agencies. TransUnion Accounts in Question are 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

A credit card account was opened without my permission in 2016 with XXXX  XXXX XXXX. I sent XXXX XXXX XXXX a letter a week after it was opened telling them it wasn't authorized. They did an investigation and sent me two letters confirming the account was unauthorized and that they would send out notices to the major credit reporting agencies. 

When the account did not come off of my credit reports I contacted all three bureaus and sent them the letters from XXXX. XXXX and XXXX both removed the account from my report however, Experian has refused to correct this inaccuracy on my report after filing two disputes with supporting paperwork from XXXX  XXXX XXXX confirming I did not open the account. 

I'm not sure what more I need to dispute this account or why disputes even exist if they don't actually remove factually incorrect information. 

Experian is completely wrong here and there needs to be some type of oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX XXXX XXXX is no longer reporting this however Equifax is still reporting this and it is severely affecting my scores.
Product: Credit reporting

We sent a letter on XXXX and received a response saying our letter was a " suspicious request '' and " not sent by me ''. Who else would send a letter trying to help us fix these ridiculous mistakes? 
We sent copies of my ID, proof of residency, etc. There are major mistakes the other XXXX credit bureaus fixed. Experian is causing us to not be able to get a mortgage by refusing to fix their errors!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet XXXX won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX   and the company AutoTrakk LLC
Product: Credit card or prepaid card

I would to file a complaint regarding a dispute issue that I have with American Express. I have a initiated a dispute with AMX after I had attempted in good faith to resolve the issue directly with the merchant. The merchant promised a refund on different occasions, yet, no credit was issued to my AMX credit card. 
I have paid for this transaction by other means and I have provided AMX with all relevant documents to proof my case. AMX dispute department ignored all the documents and did follow up with me about this dispute. Below are the information to lock up the dispute case. 

XXXX : Account ending # XXXX Dispute Received XX/XX/2019 Disputed Amount {$1300.00} Ref. No. XXXX Dispute Reason Paid directly to the establishment
Product: Credit reporting or other personal consumer reports

TransUnion has yet to update my credit report with accurate information regarding my student loans. Ive sent numerous letters to them directly for them to update this information. XXXX should not reflect balances still owed due to transfer of providers in 2023. My XXXX balance should show paid in full. This is hurting my credit and if this balance isnt corrected I will be filing a law suit with monetary gain. 
By law the credit bureaus have to report ACCURATE information. For the final time before legal actions, please update my XXXX account balances to reflect XXXX/ paid on full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX On Experian, XXXX XXXX XXXX on XXXX, XXXX XXXX  XXXX. on XXXX. 

I am writing to dispute the account information related to my XXXX XXXX XXXX account, as it contains inaccuracies and discrepancies. The account details provided by your credit reporting agency do not align with the payment history and status of the account accurately. I request a thorough investigation and correction of the following discrepancies. 

Experian : The information provided by Experian states that the first payment on the XXXX XXXX XXXX  account was made in XX/XX/XXXX. However, my records indicate that the first payment was made in XX/XX/XXXX, followed by clean payments until XX/XX/XXXX. According to your report, a XXXX late payment and a CLS ( closed ) status are indicated for XX/XX/XXXX. This is inconsistent with my payment history. 

XXXX : The information provided by XXXX indicates that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, this is incorrect. The actual first payment was made in XX/XX/XXXX, and clean payments were made thereafter. The report shows XXXX consecutive XXXX late payments for XXXX and XXXX, which is inaccurate. My payment history reflects a single XXXX late payment during that period. Furthermore, the report indicates clean payments until XX/XX/XXXX, which does not align with the accurate payment history. 

XXXX : According to XXXX 's information, the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX, followed by clean payments. However, the report shows no information beyond XX/XX/XXXX. This is incorrect according XXXX which has my payments all the way until XXXX of XXXX, It gets confusing, and there are missing updates regarding the account status. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit report accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXXXXXX 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 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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/2022 has violated my rights. Or list of inquiries 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: Vehicle loan or lease

On XXXX  I visited XXXX XXXX XXXX XXXX XXXX around XXXX XXXX. I was fully aware of my intentions and clear about my purpose for being thereto conduct a transfer through a special endorsement. From the start, I informed the dealership that I did not want my credit pulled. However, I reluctantly agreed to proceed because I was trying to complete the vehicle purchase. Throughout the process, I repeatedly emphasized that this was a special endorsement. 

I specifically asked the general manager, XXXX XXXX, whether the dealership operates under the Truth in Lending Act ( TILA ) and whether the bank they use is FDIC-insured, to which he confirmed that they do and it is. Later, the finance manager, XXXX XXXX, entered the office to begin processing my application. I again informed him that this transaction involved a special endorsement. Despite my clear explanation, he appeared confused, which is concerning given his role as the finance manager. 

After completing the paperwork, XXXX returned and stated that they needed my income information to proceed. I explained that no income verification was necessary, as this was a special endorsement. He insisted that they could not move forward without the income information, effectively stalling the process. At this point, I requested my original application back, as we were no longer continuing the transaction. Instead of the originals, XXXX provided me with copies of the documents. 

Following this, I contacted Mercedes-Benz Financial XXXX who directed me to a website to file a complaint. I returned to the dealership to request my original paperwork, at which point XXXX XXXX expressed interest in continuing the transaction, claiming the decision wasnt up to him. I found this response to be disingenuous, as it appeared to contradict his earlier statements. At this stage, I felt that I was being discriminated against due to their failure to apply the appropriate laws and codes in relation to my special endorsement. 

Relevant Legal Points : 12 USC 1813 : The dealership is subject to regulations under 12 USC 1813, as they are federally regulated.

12 USC 342 : The dealership and/or bank failed to honor my special endorsement, which goes against the standards set by 12 USC 342 and proper compliance with Federal Reserve procedures .

12 USC 1431 : The financial institution involved should adhere to regulations regarding secured loans and federal oversight. Under 12 USC 1431, the XXXX XXXX XXXX XXXX  ( XXXX  ) and their member institutions are subject to specific guidelines which appear to have been ignored in this case. 
Despite my efforts and providing clear references to relevant federal laws, my rights as a consumer under the Truth in Lending Act ( TILA ) were not honored. I believe this situation reflects discrimination and a lack of compliance with federal regulations that protect consumers in special endorsement cases. 

I request that immediate action be taken to address these violations and that my special endorsement be processed as required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my credit report that I did not authorize nor had any prior knowledge of their existence. Please see below Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : XXXX Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.
Product: Credit card or prepaid card

I have had my Citi card for over 5 years and have never had a late payment of 30 days or more. In fact, i have never had any of my bills go 30 days late, this is verified on my credit report. My current credit utilization is at an all time high as I am attempting to sell a house and the costs associated with this process have gone well over budget. I was planning the purchase of a lawn mower so on XX/XX/2023, I paid {$600.00} on my Citi card to free up the funds and earn the double cash back rewards. The very next day, XX/XX/2023, after I paid the money, Citi decreased my Credit limit from, i believe {$800.00} down to {$300.00}, citing random credit checks to deem worthiness. They sent an email that I did not see and was left looking extremely embarrassed at the register in front of a store full of people. The first time I called, i thought I was being transferred to someone who could help me. Instead I found myself on talking to someone from XXXX who was as confused as I was. I called back, only to be screamed at and then hung up on by a Citi customer service rep. The third time I called, I was finally able to get to a supervisor who was unapologetic and cited fine print in the card agreement. I simply find the timing of all this extremely suspicious. They randomly pulled my credit file as soon as I paid {$600.00}? Then, with no warning at all, drop my credit limit and send an email that was buried amongst many in my inbox. Had they been waiting to decrease my limit for some time now but couldn't as it would put me over my limit through no fault of my own? This practice appears very unscrupulous. My credit has been impacted by identity theft with accounts and hard inquiries being opened in my name, in addition to the aforementioned credit usage to sell a house. They were apathetic and unsympathetic to my situation, so I am filing a complaint and requesting a review of the handling of my account. I appreciate any and all assistance in this matter.