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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

The following inquiries are reporting on my credit report without my authorization or consent This is a violation of US code 15 USC 1681b ( 2 ) 18 USC 1028a Please DELETE the following inquiries 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

XXXX  They are reporting the account late and it not over 30 days affecting my credit score. 

Also- Global Lending is showing ion XXXX a collection and I paid it in full XXXXXXXX XXXX XXXX
Product: Checking or savings account

I opened a new Citizens checking account on XX/XX/year>. The banker who assisted me in opening the account informed me that I was enrolled in the promotion, " Get up to {$400.00} when you open your first new personal Citizens Checking and satisfy the offer requirements. '' To meet the requirements for this promotion, I had a direct deposit of {$560.00} on XX/XX/year>, which is within the 60 days of account opening and exceeds the required {$500.00}. Additionally, I made over 50 debit card purchases within 60 days. However, as ofXX/XX/XXXX I have not received the promised {$400.00} bonus. Im concerned there may have been a system glitch when the banker enrolled me in the promotion. 

Could you please assist in reviewing this and crediting the {$400.00} bonus to my account? 

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

National Credit System failed to informed me and provided valuable information about the debt they are claiming I owe. The source of the issue never been communicated to them, I am actually about to sue my leasing office for not informing me about the issue and issuing my information to NCS without sending me a formal letter. NCS failed to inform me of the situation and started reporting to credit bureau without even contacting me. No email, no certified mail was sent to me. I contacted them in several occasion to have them send me mails with clear explanation of the money thy said I owe them but never nobody ever sent me any explanation. They started reporting on me in XXXX without contacting and first time they contacted me was in end of XXXX. How can you send my information to credit bureau without even calling me and sending me certified mails to explain the situation? 
They started reporting on XX/XX/XXXX, 25 days after i left my old apartment and for the little story I provided them with proof I was leaving the place 3 months prior i left, and the first time they contacted me was XX/XX/XXXX, with no mail, no explanation of what is going on, i request several time for them to send me a mail with all explanations they never delivered. This is a very first time i am having this issues, my rental history has been perfect therefore I am about to sue them pretty soon if this issue is not resolved as soon as possible.
Product: Credit card

AMERICAN EXPRESS XXXX  {$690.00} $ XXXXthis card is not late. I had ID theft so my debt to income ratio increased of no FAULT OF MY own! Needs to be removed off my credit report as negative
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an incorrect date of birth for me. I contacted them ( Confirmation Number XXXX ) and instead of correcting the date, they added my statement providing my correct birth date as a " Consumer Statement ''. 

There is no indication that they attempted to contact a reporting agency to correct my birth date nor looked at roughly 40 years of credit history to verify my assertion of birth date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I attempted to take a loan out through a company called lending tree. They requested my accounted information, which I naively gave them it, because of that, they tried to deposit fake checks. Those XXXX fake checks put my account in the negative at an amount of XXXX and got my account frozen. I am currently in the process of going through a compliance committee in order to get my bank account reinstated.
Product: Mortgage

My husband and I had a home equity line of credit with SunTrust bank, which we paid off in XXXX of last year when we sold the property. We are in need of copies of 4 checks written against that account. We have spent a total of 8 hours on 3 separate occasions trying to get this information. The first call, the person said they would order the checks and they would be mailed to us within 10 days. We called to follow up in about 3 weeks and no one had a record of this. The second person gave us a ticket number, but when we called today to follow up no one could reference the ticket number. Today we both called and have been given different answers after very long hold times. The last person I spoke to said that they do not have access to records of accounts closed before the Suntrust/BB & T merger . We can not complete our income taxes without this information.
Product: Credit card

I was working with a web site designer or so I thought and we had constant communication and then they charged my account {$1900.00} and they havent contacted me since. I informed capital one and sent them all documents they requested and they gave me a credit. I found about a month and a half later they reinstated the charge so I called capital one again and they told me if I wrote a hand written letter as to what to what happened that will be all the additional paperwork they require and that they would credit the account permanently. Well last night I saw they reinstated the charge again so I called again for the third time. By this time I was extremely upset that they keep lying and telling me the charge wont be reinstated but here we are again. They said I did not answer yet another letter which I did not see asking for the same information I had already submitted. Now they wont give me a credit and they said I have to pay for a service that I never received. Absolutely disgraceful
Product: Money transfer, virtual currency, or money service

12 months ago I have immobilized the money in Binance XXXX, They say because of risk, several times they asked me to update information, id, claim letter, but the block to withdraw the money is never solved, the valuation in the account was XXXX XXXX today it is the portfolio is valued at XXXX. -I think I'm destined to lose all my money with the drop in the market.
Product: Credit reporting or other personal consumer reports

Request for Arbitration and Reinstatement of Navy Federal Credit Card Account I am writing to formally request XXXX and Navy Federal Credit Union for assistance in the arbitration process concerning my credit report and the reinsertion of a Navy Federal credit card account from my credit file.

Account Details : Credit Card Issuer : Navy Federal Credit Union Credit Card : Navy Federal XXXX XXXX Issue : The Navy Federal credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Additionally, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that XXXX engage in an arbitration process with Navy Federal Credit Union to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
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 funds when transactions were authorized, I was charged fees do to lagged posting of charges 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, credit repair services, or other personal consumer reports

I noticed that I was docketed XXXX points from my credit report for disputing alleged debts. I did not receive a reason for the taking away of the point. I like the increase back of my XXXX points docketed without explanation, as required under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Equifax, XXXX and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with Equifax that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my Equifax report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on XXXX on XX/XX/XXXX from XXXX and XXXX XXXX XXXX  that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX XXXX and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with XXXX. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my Equifax from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1700.00} Closed OR : XXXX XXXX XXXX XXXX Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Vehicle loan or lease

On XX/XX/XXXX we purchased a used XXXX XXXX XXXX motorhome. Purchase price {$170000.00}. We financed {$61000.00} with US Bank. On XX/XX/XXXX we paid off the remaining finance amount of {$56000.00}. When we applied for the loan in XXXX of XXXX, the dealer ( XXXX  XXXX in XXXX, NY XXXX had the wrong vin number on the paperwork. We can not get the title from US Bank. They are saying they don't have the title. I spoke with the Pennsylvania department of transportation. They confirmed they sent the title to US Bank. I have spoken with US Bank numerous times since XXXX, explaining about the wrong vin number. They apparently won't even look for the title with the correct vin. XXXX will not give me a new title without a lien release. I don't have a lien release with correct vin number, only one showing wrong vin. Have attempted to talk to supervisors at US Bank several times and only get voice mail with no return calls. The agents I spoke with at US Bank say they can not call the " company '' that retains the titles. They can only send email requests for the title. They only receive refusals to their requests for the title. I am at my wits end. We have a fully paid off expensive motorhome, but can not get a title. Please help! Thank you, Attaching copy of loan document, Bank statement showing payoff, and lien release we received with wrong vin number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act all of the companies listed below has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

debt collector are changing dates on my accounts making them more recent, trying to hurt my credit score
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports. Upon reviewing my report, I have identified multiple errors in the reporting of two accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am requesting an immediate investigation and correction of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX  Account - Inaccuracy : My payment history for XXXX, XXXX, XXXX, and XX/XX/year> is marked as " Not Current, '' yet my report also states that my XXXXamount past due is XXXX XXXX  and my XXXXlast payment was made on XX/XX/XXXX, XXXX. If I had been behind on payments, there should have been a past-due balance. 
XXXX XXXXRequested Action XXXX XXXX Please verify the accuracy of these late payment reports and correct them if they are inaccurate. If XXXX XXXX  can not substantiate the late payments with proper records, this information should be removed from my credit file. 

XXXX. XXXX XXXX XXXX XXXX ( Collection Account for XXXX ) - Inaccuracy : XXXX. The account is reported as " Open, '' even though collection accounts should be listed as " Closed '' once sold by the original creditor ( XXXX ). 
XXXX. The remarks section redundantly states, " Account information disputed by consumer '' twice, which could indicate a reporting error. 
XXXX. The balance of {$320.00} needs verification to ensure it does not include unauthorized fees or interest that were not originally agreed upon. 
XXXX XXXXRequested Action XXXX XXXX I request validation of this debt, including a breakdown of the balance and confirmation that the account status is correctly classified as a collection rather than an " Open '' account. If the information can not be validated, it should be removed from my credit report. 
Under the FCRA, I request that this matter be investigated and corrected. 

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

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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recent filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

One main financial is reporting an Inquiry on XX/XX/2023 that i did not authorize on my XXXX credit report. It needs to be removed as it is affecting my credit.
Product: Debt collection

This company sends me emails all the time nonstop. This company hasn't sent me any contacts with my signature on it saying I will pay them this debt. I am tired of this company contacting me about this debt.
Product: Debt collection

On XX/XX/23, I sent a letter requesting the validation of alleged debt. Ive received communication from this company that I owe them a substantial sum of money. I never made any contract with this company and do not accept their business or offer without validating I owe a debt to them.
Product: Mortgage

Applied for XXXX with good credit, salary and debt to income and got denied for credit history and new accounts open. All new credit cards are 6 months or older with close to XXXX balance. Credit history is very good. Recently got a XXXX but wanted to borrow slightly more including existing XXXX. Bank valued my home at XXXX and I owe XXXX so plenty of equity in property only asking for XXXX. Tried speaking with supervisor at bank XXXX XXXX XXXX but he wasn't any help just felt like i was getting passed over for no reason. Don't feel like I'm getting treated fairly with a credit score of over XXXX and salary over XXXX per year with minimal debt.
Product: Mortgage

The money source took over our mortgage account from XXXX. Right before the transition we were in Covid 19 forbearance with XXXX, had submitted and was approved for a loan modification When the money source took over our account they made all kind of claims, claiming they never received the paperwork from XXXX  with modification details etc, I then reached out to XXXX  and got copies and provided to the money source, also XXXX  assured me XXXX  received all of it. XXXX  then stated they couldnt accept the paperwork from us, gave us massive run arounds saying we were delinquent and would need to do a new loss mitigation with them.

This caused us to incur more fees etc due to more time lapsed being in forbearance etc On top of all this we later sold that house to find out that XXXX  not only approved the modification but also filed a partial claim with the county court house We were able to clear off the XXXX  pa
rtial claim with HUD and the county but still to this day are trying to clear off the XXXX one and get our proceeds from the sale of the house, now going on 5 months. Reason for that holdup is XXXX  filed hud partial claim with our county but never with HUD so HUD cant see it, XXXX wont remove it after dozens of phone calls and emails as they are stating they filed a proper partial claim that XXXX  has to abide by but didnt It is my understanding that a new loan servicing company has to uphold to any loan modification agreement and it is against the law to not do so
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency