23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently examined my personal consumer credit reports and identified questionable or inadequately verified data in the records maintained by your company. It seems that information which had previously been removed may have been added back to my credit profile without the requisite XXXX notice, thus violating the reporting regulations you are obligated to adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any information that has been removed should not be reintroduced into a consumer 's credit profile without directly informing the affected consumer in writing within XXXX business days. However, I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in violation of the law! As per 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my explicit written consent. Moreover, 15 U.S.C. 1681c. ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no individual should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loans have been forgiven, but they show as in default and my credit score is in the 500 's. I was told my credit score would go up once they were forgiven but they are still showing on my credit report as " delinquent '' or " default '' and I am trying to obtain a mortgage and currently can not because of it.
Product: Credit reporting or other personal consumer reports

I hope youre doing well! I wanted to share something that's been bothering me lately regarding my credit report. I recently checked it and found some inaccuracies that I need to address. 

There are several accounts listed that seem to be inconsistent, and its really confusing. Here are the accounts Im talking about : 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 XXXX The problem is that theyre not reporting the information consistently. When I look at my credit profile, its clear that the details dont match up, which is super frustrating. This inconsistency could really affect my creditworthiness. 

I already wrote to the credit bureaus about these issues, but I havent heard back from them yet. Its been a bit of a hassle, and Im starting to get anxious about it. I just want to make sure everything is accurate!

I also referenced some sections of the Fair Credit Reporting Act ( FCRA ) in my complaint to support my case. Specifically, I mentioned : - **Section 609 ( 15 U.S.C. 1681g ) ** : This section requires the consumer reporting agency to provide consumers with the information in their file upon request.

- **Section 611 ( 15 U.S.C. 1681i ) ** : This gives consumers the right to dispute inaccurate information and request an investigation.

- **Section 605 ( 15 U.S.C. 1681c ) ** : This limits how long negative information can be reported, ensuring that inaccuracies are corrected promptly. 

Just wanted to vent a little and keep you in the loop. Please help if possible. 

Take care
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # 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.
Product: Credit reporting

TransUnion Is the only credit reporting agency reporting an old student loan debt reference number XXXX. It is being reported as a tax lien satisfied with XXXX dates on the account. XXXX date says XX/XX/XXXX, the other says XX/XX/XXXX. This student loan was first reported deliquent in XX/XX/XXXX, which means it was eight years ago! By law this should be removed. I tried mailing a request to remove based on statue of limitatiions for reporting. And the response from TransUnion was simply, that they checked and account was verified as being mine?
Product: Vehicle loan or lease

Westlake Financial is charging me more than 17.99 % on a used car loan. The interest rate of 17.99 % is already to much that they charge daily. My note is XXXX a month that started last XXXX. I started by paying XXXX a month to pay it off quickly but starting the first payment they took nearly 300 in  interest, and it increased. I stopped paying that amount and started paying less and they took more of that for interest. It 's to high of interest vs. Legal limit in my state of Louisiana and their 's in California. I  have paid a total of just over 4010.00 on a XXXX loan and my off as of today is XXXX. That is more than unfair. It is usury, not to mention pathetic.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a delinquent account although I paid in full my XXXX XXXX credit card. Why is Experian reporting that the status of my closed account is delinquent? This is false information and not reflective of my progress of paying off my debt.
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. XXXX XXXX XXXX, XXXX Bank XXXX XXXX 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 XXXXXXXX XXXX XXXX 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX XXXX XXXX Neon Blue/Red XXXX from XXXX XXXX XXXX on XX/XX/2018 for {$200.00}, tax included. Payment was made by XXXX pay through my Bank of America checking account. Order number given was XXXX. Order was confirmed by email and shipping was pending. All communications with this seller since have been in vain. No response to any emails requesting updates. I have reviewed XXXX pay policy sine this event and am quite aware that I have been scammed, but would like this seller to have some consequence. Please help!!
Product: Debt collection

XX/XX/XXXX XXXX XXXX of XXXX P.A XXXX XXXX XXXX XXXX, NJ XXXX TO WHOM IT MAY CONCERN This letter is to resolve the redundant mail us of your billing statement that has not ceased since XX/XX/XXXX. 

We do not owe you any money. Below is an explicit explanation : XXXX On XX/XX/XXXX I received an email from XXXX XXXX XXXX Offering XXXX XXXX XXXX XXXX screenings at reduced rate of {$99.00}. A physicians prescription is required. A coy of the email from XXXX XXXX XXXX is enclosed. In the email there is no mention of XXXX XXXX of XXXX P.A or its function XXXX Both of us, my wife XXXX XXXX and myself secured the required physicians prescriptions as stated in the promotional email from XXXX XXXX After the scan we discovered that the charges were submitted to Medicare in the amount of {$350.00} for each of us. Medicare paid provider located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Then we received a bill of what we owed which is {$7.00} that we paid according to the Medicare statement. Medicare Procedure details is enclosed with this letter XXXX We received a billing statement from XXXX XXXX dated XX/XX/XXXX to pay {$75.00} for each us. A charge of {$99.00} for the CT scan submitted to XXXX for {$350.00}. The cost of the procedure jumped to {$350.00} from {$99.00} an incredible 350 % increase. 
XXXX We contacted XXXX on XX/XX/XXXX and a representative who identified himself as XXXX XXXX my wife to ignore the bill or disregard the bill XXXX Again, we received another statement dated XX/XX/XXXX for the same amount of {$75.00}. On XX/XX/XXXX again called to clarify what was going on. A representative identified herself as XXXX told us to disregard the bill You continue to send us billing statements in spite of the fact that you billed Medicare and the claim was paid according to Medicare payment. You also ignored your representatives previous conversation and their advice to us to ignore or disregard the bill. We have never requested your service and you never informed us of your services prior to the CT scan appointments. We only use Medicare approved or Medicare accepted services. In the email we received, see enclosed, there is no mention of your service. 
Medicare has determined that your service is not covered by Medicare. The provider is responsible for the denied service based on the information shown in the promotional email that was emailed to us by XXXX XXXX XXXX. 

Your charges have been denied by Medicare and it is your responsibility to appeal to Medicare. We have paid what we owe. 

From the date of this letter on, all billing statements you send us will be ignored. Furthermore, should you decide to have any Outside XXXX XXXX contact us, as you stated in your XX/XX/XXXX billing statement, I will be forced to take the necessary legal action to stop your or any of your agency or agencies from contacting us by any phone, mail or email or any the form of harassments. 

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

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have provided required documents to substantiate my claim. Additionally, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ). In accordance with section 605C of the Fair Credit Reporting Act, I kindly request that THEY block the disputed information from my credit report within four business days. 
I have provided documentation from the list of acceptable items, of which only two are required by law. Please find attached all relevant documents supporting my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have received a letter from XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX  that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX  and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
Product: Checking or savings account

Wells Fargo, I paid the excessive fees and closed my account out of sheer frustration in 2018
Product: Credit card or prepaid card

I opened the Chase/XXXX XXXX Rewards credit card. At the time I was verbally told that the offer was XXXX rapid reward points and a companion pass after spending $ XXXX in the first three months. I followed a link provided to open the credit card. Now they are saying that the offer was over at the time and they have given me a much less valuable sign-up promotion that doesn't include the companion pass. The companion pass was the entire reason we signed-up and the reason the card was promoted to me. They have informed me that the offer was from Jan 10-Feb 11 and that my cc shows approval on the XXXX XXXX. The supervisor I spoke to said that they specifically don't send out offer details to confirm your offer when you sign up ( thus denying me evidence ) but also that they can't fix it without this evidence. I feel that their offer and subsequent actions are fraudulent and constitute deceptive practices. When I spoke to XXXX, they acknowledged that it doesn't seem right but stated that Chase is the one who has to authorize the deals so the error was definitely on their end.
Product: Checking or savings account

I'd like to file a complaint again M1 Finance.

When I initially opened my IRA account with M1 Finance, there will be no fees associated with maintaining the account. However, I have recently been informed that, starting XX/XX/scrub>XXXX XXXX XXXX M1 Finance will implement new fees if the account balance is below {$10000.00}. This change was not disclosed to me at the time of account opening, and I find this sudden imposition of fees to be both surprising and unfair. 

Given these new fees, I have decided to transfer my IRA account to another financial institution. To my dismay, I have discovered that M1 Finance charges a {$100.00} outgoing fee for transferring the account, in addition to a {$100.00} fee for closing the account. These fees seem excessive and are causing a significant financial burden on me, especially given that the policy changes were implemented without prior notice or adequate time to adjust. 

I believe that M1 Finances actions are deceptive and do not align with fair consumer practices. The lack of transparency about potential future fees and the high costs associated with transferring my account are unacceptable.
Product: Money transfer, virtual currency, or money service

The subject of this complaint is XXXX.

Three weeks ago I transfered {$300.00} or so from one of my XXXX  accounts that was created separately within " XXXX XXXX '' to my XXXX   account within " XXXX XXXX '' and received an email about four days later saying that the money had been received in my XXXX account and would show up within three business days.

To date, I have contacted XXXX  via online chat, called four times, and XXXX said it has contacted XXXX directly. I still see no funds in my XXXX account. It's been three weeks now.

From XXXX, my money was withdrawn, and from XXXX  I got a notice saying the money has been received, but It just has never hit my XXXX account. XXXX says it's XXXX  's fault. XXXX  said it was XXXX XXXX XXXX.

I am contacting you so that XXXX can ensure the amount is sent to XXXX  and that XXXX reflects this {$300.00} transaction in my account.

Right now it is essentially stolen out of my accounts on account of the failure of these two banks and the intermediary XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Dear Experian, I am writing to dispute the compliance standards upheld by your bureau in relation to my credit report. Upon reviewing the information provided, I have identified discrepancies that I believe do not align with the established compliance protocols. 

15 U.S Code 1681 ( b ) Reasonable procedures states It is required that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 

I understand the importance of accurate reporting and adherence to compliance standards in maintaining the integrity of credit reports : this is in accordance with Consumer Report and Information Sharing ( FCRA, Section 603 ( d ). However, the discrepancies in my report have negatively impacted my financial standing and may have far-reaching consequences. 

I request a thorough investigation into these discrepancies and urge your bureau to rectify any inaccuracies promptly. Additionally, I would appreciate clear communication regarding the steps taken to address these issues and ensure compliance with established standards. 

Please provide me with a detailed explanation of the investigation process and the outcomes thereof. Furthermore, I would like to receive a corrected copy of my credit report reflecting the accurate information as soon as possible. 

I trust that your bureau will handle this matter with the urgency and attention it deserves. Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX