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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX 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: Debt collection

Midland Credit Management, XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened with Midland Credit Management, this debt is not a valid credit transaction that happened between Midland Credit Management is 100 % false and incorrect and should be removed from my credit file with the credit agencies. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Pandemic I was dealing with chronic health conditions and fell ill with mild suspicious COVID symptoms. which lead me to go visit my doctor, I was involved in a rear end collision which put me in more physical pain. therapy and need for increased medication /treatments and supplements, I value and respect my credit and reached out to XXXXXXXX  about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with XXXX
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 1692c ( c ) Account : XXXX Acct # XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX  Acct # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX Acct # XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Acct Name : XXXX XXXX Acct # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Acct Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX Code XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Credit card

I had two credit cards stolen last XXXX. One credit card did not hold me liable for the charges but Discover held me responsible. I sent in a police report, documentation that XXXX XXXX XXXXXXXX did not hold me responsible. I also sent information about my passport being re-issued because it was stolen simultaneously. Then I sent in time cards to verify the days I was working. This has been ongoing for a year and they are not budging. It is over {$3000.00} and I am not responsible for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that Equifax has failed in conducting a reasonable investigation in regards to an illegal account placed on my credit file. XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have included documents that show the above account was purchased from XXXX XXXX XXXX XXXX  and re-aged from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
According to the FCRA Section XXXX ( a ) ( XXXX ). The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. 
Duties After Notice of Dispute from XXXX XXXX XXXX According to the FCRA XXXX and Reasonable Procedures When a CRA prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Reasonable procedures do not require XXXX XXXX  accuracy because : If an inaccurate item has appeared on a consumer report, that alone is insufficient for an FCRA violation. 
According to the strict liability statute, an inaccuracy alone is not enough for an FCRA violation. 
There is a threshold requirement for a claim which must prove : inaccuracy, failure to follow reasonable procedures, an injury, and that the injury was caused by the inaccuracy. 
To claim inaccuracy, there are several conditions :
Product: Debt collection

On XX/XX/XXXX I purchased a vehicle financed through Satander Consumer USA. Payments were made. My vehicle was repossessed XX/XX/XXXX atXX/XX/XXXX in a very disruptive manner ; I.e : my car alarm was set off and the tow company lit up the entire neighborhood with lights and the sound on my vehicle. Without any notice my vehicle was repossessed and per Nebraska state law I was to be notified via a certified letter that my vehicle was in a repossessive state and given 20 days to rectify ; they failed to send me notice. After the repossession I called Santander and asked for the notice, the representative XXXX I spoke with was rude and stated it was not his job to notify me of my finances. I then mailed a Debt validation letter on XX/XX/XXXX and never recieved a response, I then was notified they sold the vehicle and that I now owe over {$10000.00} and are reporting on my credit file 3 different amounts as a bad debt/charge off, but I was never given the amount needed to get my vehicle back and rectify the debt to get my vehicle back.
Product: Checking or savings account

I am writing to formally lodge a complaint against Navy Federal Credit Union regarding several overdraft fees that have been applied to my account. Despite having adequate funds at the time the transactions were authorized, I was still charged fees due to delays in the posting of charges and credits. This situation seems to reflect the recent CFPB findings against Navy Federal, where transactions were finalized with insufficient balances even though funds were initially available. I believe these practices are unfair and request a thorough investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning XXXX XXXX. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

There were multiple inquiries on my credit report for loans atleast XXXX, during the month 's of XX/XX/XXXX and XX/XX/XXXX, its not mine. Back in XXXX I seen on my credit report that a car was bought with a loan from XXXX XXXX lender in my name with a current balance of over {$20.00}, its not mine. 
The credit companies are not assisting me with removing these fraudulent inquiries on my credit report so I'm hoping that you will.
Product: Checking or savings account

Hi, so in XXXX of XXXX I attempted to make a purchase online from XXXX XXXX. I never received the items so I submitted a complaint with XXXX and my bank, Chime Inc. XXXX said they refunded me but Chime said nothing was received so I submitted a claim with Chime. Chime denied the refund so I submitted a complaint with the XXXX. I first submitted a complaint with XXXX and over several months they submitted evidence that they sent/reimbursed Chime, however I never received it. I then submitted a complaint through XXXX  about Chime. They only got automated responses for months until finally I submitted evidence that I already showed Chime that XXXX refunded me and Chime never did anything about it. According to XXXX, they received this message " RE : Complaint # XXXX Good afternoon XXXX, My records indicate that as of XXXX Chime said the following regarding your complaint : Date Sent : XX/XX/XXXX XXXX XXXX  " I have reached out to ensure this complaint is resolved. 

Thank you! '' -Chime '' Since then, I have received no further communication and Chime never reached out. They lied to the XXXX  and never reached out to me. I got busy and didn't get around to submitting the information until recently.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I submitted a complaint to CFPB in reference to XXXX XXXX XXXX because they placed a debt collection account on my credit report that I had No knowledge of. XXXX and XXXX XXXX XXXX found my complaint to be correct. This company had closed and they sent me a letter stating that the account was deleted and removed from all of my credit report and that they had notify the bureaus to let them know to delete it from my credit report. Experian is the only credit bureau that refuse to delete this from my credit report. They said they are still investigating and I wrote them a letter on XX/XX/XXXX XXXX in reference to the matter which makes it over thirty days which is also a violation of my rights as a consumer. I talked to a representative XX/XX/XXXX and he said there was nothing they could do until their investigation was done. This complaint is in reference to Experian Credit reporting agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/12, our company received an email from paypal that a customer had sent us money. We did NOT have a paypal account, did NOT agree to any terms of service, and had NOT asked the customer to send the money via paypal. The customer simply put in our email address and Paypal took the money. 
We immediately did set up a Paypal account. However, significant information was then required. We had to pay a fee which we had not agreed to before setting up the account. And, now, XXXX weeks later, they have still not released the funds to us.
Product: Credit card or prepaid card

I called B of A trying to get a replacement card. I believed I did not have the card and had destroyed it. I did not think this would turn into a big problem. Now it has. 
They didn't believe I didn't have the card, which was weird. 
They sent me to fraud to verify me, which annoyed me because the card hasn't been used in almost 2 years. So I go through all of the verification, answering at least a dozen security and personal information answers. 
I know I got everything right. They asked several trick questions. The last question was kind of ambiguous, asking what amount would have been deposited to the account. Do they mean now, or before? I answered from before. Who knows what they meant, but they said I was a fraudster and they wouldn't send me another card. 

I am not a fraudster and they need to send me another card. 

I called the unemployment office to get a new card and they wouldn't help me. But I did talk to a rep who was very helpful in telling me that I was confused about which company the unemployment department had switched from. All I could recall was going to XXXX XXXX. It actually was the reverse. I started with XXXX, and then at the end went to B of A. So, maybe that is why they didn't believe me? Who knows. 

But, think about it. Your credit card is stolen. You call your bank and say it's stolen. They turn that card off and send you another one. Right? Okay, my debit card has been turned off. No one has attempted to use it. They refuse to send me another one. They say I have to go into the branch and beg the manager to get on the phone saying I'm real and I am now allowed to call again for a replacement card. Total discrimination. This wouldn't happen if they didn't think I was a low life on unemployment. I will not allow Bank of America to treat me like this. They are professional criminals and I am an honest citizen.
Product: Debt collection

The debt for XXXX of {$190.00} was taken out of my 2023 state taxes in Utah. About 4 months later it reappeared on my credit. The charge was ill Legitimate to begin with. I had a 2 year contract with XXXX XXXX at the end of my 2 years. I told them to cancel My phone line and that I would no longer be using them. They canceled my phone line and then sent me a bill 3 months later for a {$190.00} for 2 months of Services never rendered.
Product: Checking or savings account

To Whom It May Concern, I will lay out my complaint so it is very clear on what action needs to be taken. 

My Request : - Do not deduct {$1700.00} from my account that you claim was temporarily credited to my account for claim XXXX as stated in your letter dated XX/XX/23. 

High Level Reasoning Why You Shouldnt Reverse : - Wells Fargo never credited me {$1700.00} for claim XXXX or any other claim. I have attached supporting letters and images showing credit and deduction history for claims and letters. 

Detailed Reasoning : Please see below for timeline of events and evidence that any provisional credits in my account were removed as of XX/XX/23 leaving Claim XXXX closed. 
- On XX/XX/23 I disputed {$4900.00} in charges opening up claim XXXX. 
- On XX/XX/23 I received a provisional credit for claim XXXX in the amount of {$4900.00}. 
- On XX/XX/23 I disputed {$6900.00} in charges opening up claim XXXX - On XX/XX/23 I received a letter from Wells Fargo that said claim XXXX was being merged into claim XXXX and being treated as one claim for a total of {$11000.00} ( $ XXXX {$6900.00} ) - On XX/XX/23 I received a letter from Wells Fargo that said the provisional credit of {$4900.00} that was applied to my account for claim XXXX on XX/XX/23 would be deducted out of my account on XX/XX/23. 
- On XX/XX/23 I received a letter from Wells Fargo that said the {$6900.00} in charges were deemed valid and claim closed. ( NOTE no credits for these charges were ever made ) - On XX/XX/23 I received a letter from Wells Fargo that said for Claim XXXX they would be deducting the {$1700.00} temporarily credited to my account from my account on XX/XX/23. ( CRITICAL NOTE NO TEMPORARY CREDIT OF {$1700.00} was ever applied to my account ) - On XX/XX/23 Wells Fargo deducted {$4900.00} from my account. Leaving claim XXXX with a net {$0.00} balance ( Provisional Credits Deduction of Provisional Credit ) In conclusion, I am respectfully requesting Wells Fargo to admit their error in sending the letter on XX/XX/23 and to not deduct {$1700.00} from my checking account because there is no basis to. This would cause undue hardship to me and my XXXX children under XXXX. I request all communication regarding this claim be done through CFPB or written communication to protect my rights.
Product: Credit reporting

I have sent certified letters to all creditors to which I have a dispute. My understanding of the FCRA is that the creditor is to note my account to a credit reporting agency as disputed within 31 days of receipt of notice. I checked my credit report with all XXXX credit reporting agencies, and my creditors that were notified did not note my accounts as disputed within their alloted 31 day timeframe. I sent the credit reporting agencies a certified package containing the page of the credit report showing that dispute is not noted, and a copy of the certified reciept and green card to prove that 31 days have passed without the creditor noting the account as disputed. XXXX has fixed my report. XXXX and Transunion refuse to remove the disputed accounts even though the creditors are in violation of the FCRA 31 day notice. Transunion took it upon themselves to mark the disputed accounts as disputed, something I DID NOT ASK THEM TO DO. I specifically sent them a letter requesting they remove the account due to the inaction of the creditor. I am requesting the CFPB to enforce the FCRA with Transunion and XXXX and have them remove items that I disputed with creditors that are not marked disputed BY THE CREDITOR. I also have a bankruptcy on all XXXX reports that I have disputed, and I have not been given information as to where the investigation data came from to support keeping them on my report. They also do not state disputed by consumer. A current lawsuit with XXXX concerns the requirement that the source of public records are revealed to the consumer ; where did the credit reporting agency get their data? Just listing public records is insufficient. I have been working on clearing my credit report ever since a fraud alert was placed on my account in 2009. It has appeared and disappeared many times without my taking any action to remove it. XXXX has stated they will put a fraud alert on all XXXX reporting agencies for me, but I need to have the disputed data removed. I also want Transunion to remove the dispute that was put on by their agency. I did not request and do not want them to post the dispute. I want the creditor to post the dispute. My attention is with the creditor, not the credit reporting agency who is not working on my behalf but on the behalf of creditors who pay to use their services. Transunion has some sketchy procedures including not removing items proven disputed and not noted, as well as disputing items that were not requested by a consumer. They state that any communication from a consumer equals a dispute to them. I am adamantly opposed to XXXX for verification, and believe this system is unfair to the consumer. I hope that the CFPB can remove the items from my XXXX and Transunion reports as requested since I have made a good faith effort via certified mail repeatedly to creditors to discuss these accounts. I am requesting that the CFPB provide the legal service of removing the disputed items as required by the FCRA since XXXX and Transunion refuse to do so on their own.