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

Transunion has violated my rights to privacy per law 15 USC 1681. Legal action will be implemented if the account below is not removed completely from my credit report.Transunion did not update my account reflecting the removal of the account.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX- 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: 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 XXXX 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$640.00}
Product: Debt collection

I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.
Product: Payday loan, title loan, personal loan, or advance loan

The pay loan company after emailing them and trying to sort out what account. They reached my employer my employer was very upset about the harassment in addition to putting me in an uncomfortable position. They allegedly sent a payment plan but at the same time emailed my employer bullied peer pressured into a garnishment. My employer advised this is not the process without a writ. They sent me multiple emails and my employer without really trying to settlement negotiate any issue. This has now put a strain on me and my employer due to this uncomfortable issue. This all occurred XX/XX/2024 i also have. A voicemail with a threatened jury duty in order to get me to call them back. The message is saved on my phone as well.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint against Affirm regarding a one-time late payment reported on my XXXX credit report for 2024. 

I have done extensive online research and found numerous negative reviews about Affirm, which suggest that this company has a history of reporting negative information. My experience aligns with these findings. 

In my case, I attempted to make a payment through Affirm 's online system, but encountered technical issues that prevented the payment from being processed. I immediately tried to contact Affirm 's customer service for assistance, but no one was able to help me resolve the issue. Despite my efforts to address the problem, Affirm reported a late payment on my credit report. 

This late payment was not due to my negligence, but rather a failure on Affirm 's part to provide adequate technical support and customer service. Their inability to resolve the issue has unfairly impacted my credit score. 

I am requesting that the CFPB investigate this matter and hold Affirm accountable for their poor service and unfair reporting practices. Additionally, I request that the late payment be removed from my XXXX credit report as it was not my fault. 

Thank you for your attention to this matter.
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 changes 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

i have several accounts that are over 7 years, I have sent letters to XXXX and Equifax and I have not once received any action notice and XXXX says I 'm deceased.
Product: Credit reporting or other personal consumer reports

( See attached ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, il [ XXXX ] XXXX last 4 of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that XXXX XXXX does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein 1 of 4 of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending 63001. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX trademarks used herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY
Product: Debt or credit management

Did work with Lexington Law for Credit repair for two years and was given false information was being overcharged and charged for extra not knowing for what from year 2022
Product: Credit reporting or other personal consumer reports

I was thinking about moving in the near future so I requested my renting history from Rent Bureau Experian. I open the mail today and I received my report which is three pages but also someone elses report four pages long with the name of XXXX XXXX based out of Georgia, I do not believe that this is related to me in anyway as a mixed file. Clearly an error with someone who stuffed this envelope when they mailed it to me. Im thinking about reaching out to XXXX XXXX since you gave out his personal information to me. I can proof this by showing page 3 of my report is the same as page 4 on his. I feel as though that your company has been sharing my information with other people due to envelope stuffing being incorrect. Possibly contacting a Lawyer about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts
Product: Credit card or prepaid card

I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMSHER COLLECTION SERVICES INC Is currently reporting a collection account for   XXXX   on my credit report. However, AMSHER COLLECTION SERVICES INC is not licensed to collect in the state of Florida.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigated but my credit reports say otherwise. There are multiple inaccuracies on all 3 of my credit reports the dates, payments and numbers on my credit report are inaccurate. It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.
Product: Credit card

On Wednesday, XXXX I purchased a pair XXXX XXXX from XXXX XXXX XXXX for my husband. We received the shoes on Saturday, XXXX. The wrong color was ordered so I contacted the company on Saturday, XXXX to let them know what happened and if we could exchange. On Sunday, XXXX I received a response from XXXX XXXX XXXX on where to return and what was needed. I promptly repackaged the shoes in the original packaging and on Monday, XXXX I went to the post office to return. On Monday, XXXX the shoes were delivered to XXXX XXXX XXXX. I sent an email on Thursday, XXXX and again on Monday, XXXX for an update. On Friday, XXXX I received an email from XXXX XXXX XXXX stating they would not be refunding my money nor will they exchange the shoes due to the condition they were in when received. XXXX XXXX XXXX accused my husband of wearing these shoes outside of the house more than once. The accusations made by XXXX XXXX XXXX were not true. My husband did no such thing. We knew they were the wrong color and the shoes were returned immediately. Its very clear from the pictures that XXXX XXXX XXXX sent that these shoes were worn for quite a few days. However, it was not my husband. He tried the shoes on in the house to make sure that they fit. He had no desire to keep as they were the wrong color. We dont appreciate being accused of something like this. On Monday, XXXX I filed a dispute with my credit card company. Unfortunately, I was unaware that I would have to burn a roll of film taking pictures of the item ( s ) I returned. On Friday, XXXX I checked my credit card account and noticed that the charge was added back to my account. I have not received any documentation from my credit card company regarding this dispute or why the charge was added back to my credit card. On Saturday, XXXX I called 2 separate times to find out why the charge was added back to my credit card. They are unable to help me due to computer issues and asked that I call them back. I feel that my credit card company did not have my best interest and did not protect me from fraudulent companies. XXXX XXXX XXXX not only has the merchandise that we returned, they also have our money. We have never in our lives been accused of something like this and been treated unfairly by our credit company. I tried to attach copies of emails between me and XXXX XXXX XXXX to no avail.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my credit report. The continued presence of these items has had a severe impact on my financial well-being and has caused significant distress. 
I have submitted all required documentation, such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my persistent efforts to rectify this situation, the fraudulent items persist on my credit report. Each attempt to remove them has been met with delays, inconsistencies, and an overall lack of resolution, causing ongoing harm to my creditworthiness and financial stability. 

I am formally requesting the following actions be taken as a matter of urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
Immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

I hope that such measures will not be necessary, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX
Product: Checking or savings account

Not long ago I noticed I had multiple unauthorized transactions on my XXXXXXXX XXXX with the title " XXXX XXXX  XXXX  ''. I had traced it back to my XXXX  XXXX  account where I saw multiple purchases. I contacted XXXX XXXX  regarding the transactions, they denied any compensation and told me to address the concerns with the company. They provided contact information and it was for a game titled " forsaken world '' I contacted them explaining the situation that my XXXX XXXX  account had been compromised and there were all these unauthorized transactions. They refused to refund. Back in XXXX I had lost a phone with no lock screen, so I'm assuming that is how they got a hold of my account. I had changed my passwords or so I thought, unfortunately I must have not changed the XXXX XXXX  that was linked. After being refused help by XXXX XXXX  and the company developer for that app, I contacted XXXX who fortunately helped with the fraud payments. However, as I was deleting all payment options on my XXXX XXXX  I noticed my debit card and XXXX  were linked. At the time I did not have a second authorization like I do now so a password was the only thing needed. I quickly checked XXXX  so the charges and contacted them. They recommended I go to my bank which I did, however my bank only covers past 60 days so I basically lost about XXXX. I'm a XXXX working full time with XXXX XXXX, so working those hard stressful hours with covid all around and haven't it be taken is devastating
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that are fraudulent. It is damaging my credit and limiting my ability to obtain one.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against equifax for violating my rights per the Fair Credit Reporting Act requirements, per the 15 USC 1681e ( b ), 1681s-2. 1681i ( 5 ), and 1681c ( c ). I have disputed many times these items on my credit with no changes made and no resolution. I have been ignored which violates my rights. Equifax has refused to conduct a proper investigation about the fraudulent, inaccuracies and errors on my credit report. They have refused to correct any of these errors on my report as mandated by law which is illegal. 
I filed a dispute with equifax on XX/XX/year> this is my tracking number ( XXXX ) because of errors and fraudulent information on my credit report. The accounts I disputed were XXXX XXXX XXXX XXXXXXXX used cars XXXX XXXX XXXX XXXX XXXX There were several inaccuracies in these accounts. Equifax since that date forward has done nothing to correct the inconsistencies in these accounts. I sent them evidence that XXXX used cars was paid off in full by my insurance company because the car was totaled out in a auto accident. They have the car as a repossession which it was not. They have done nothing to change the fraudulent errors on my credit report. It is reporting that this account was a repossession when in fact it was not and was payed in full because it was totaled after an auto accident. It also does not have an account number and also does not show a repossession in payment history. There are several inconsistencies on my credit report from the accounts listed above that equifax has not addressed. This has effected my credit tremendously and I have not been able to get reasonable credit since. This is beyond unjust what this reporting agency has been allowed to do to my credit. 
There has been a recent CFPB enforcement action ( CFPB ORDERS EQUIFAX TO PAY XXXX XXXX FOR IMPO ROPER INVESTIGATIONS OF CREDIT REPORTING ERRORS ) this shows a clear pattern of there negligence to comply with the Fair Credit Reporting Act. I am also a victim of this behavior and have suffered tremendously because of the violations listed. 
Equifax actions violate the following FCRA provisions : 15 USC 1581e ( b ) failure to ensure the accuracy of consumer reports 15 Usc 1681s-2 neglect of duty to prevent and correct inaccuracies 15 USC 168i ( 5 ) failure to delete Inaccurate or unverified information 15 USC 1681c ( c ) continue reporting of outdated information.
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 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  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: Mortgage

I am making additional principle payments to my account and BSI financial services continues to apply them towards future payments in lieu of reducing the principle of the loan. 

I made the following payments that were not applied correctly : XX/XX/2021 I made a {$1600.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$1000.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$4300.00} payment that was not applied towards principle on that date XX/XX/2021 I made a {$50000.00} payment that was not applied towards principle on that date
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this program despite using Zelle and reporting discrepancies my financial institution and Zelle failed to investigate. My claims adequately They informed me that. Recovering lost funds were. Impossible And that tracking these. Transactions were unfeasible. The CFPBs findings. Indicate that Zelle Has not only neglected to protect Customers, but has allowed. Repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about customer safety
Product: Debt collection

XXXX   XXXX   is a collection Agency on behalf of Drive Time. This is a vehicle that had been repossessed and it is continuously being re-aged into my credit. This is a 8 year or more debt which the vehicle was returned and resold. The company continue to report as a charge off and derogatory reporting. The statue of limitation has ran out with the negative reporting on my credit reports. I continue to asked the collection agency and creditor to delete from my account. The creditor and the credit agency has yet to remove from my credit. Inaccurate reporting and missing information