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

According to 15 USC 1681i, a consumer reporting agency shall provide to a consumer a description of the procedure used to determine the accuracy of the information if requested.

The law states that the consumer reporting agencies have 15 days to respond to this request.

I disputed 2 accounts with Experian ( XXXX XXXX XXXX and XXXX XXXX ) and the accounts were reinvestigated and came back verified as accurate. I was not happy with the results of the reinvestigation because the errors are still on my credit report. The date of last payment is still reporting inaccurately on my credit reports even after their reinvestigation. If the information comes from the same source why is the date of last payment different on Experian, XXXX and XXXX? 

I sent a letter to Experian on XX/XX/XXXX asking them to give me the method they used to verify the account as accurate. I have a tracking number that proves that the letter was delivered to them. Today is XX/XX/XXXX and Experian still has not responded to my request at all. They have not responded in the required timeframe of 15 days and that means they are not complying with the law. 

The information on my credit report is suppose to be accurate. 15 USC 1681e ( b ) states that a consumer reporting agency shall follow reasonable procedures to assure maximum accuracy of the information. 

This shows that Experian has not taken reasonable procedures to assure accuracy of this information. 

I am submitting this complaint to hold them accountable. I want these 2 inaccurate accounts removed from my credit report immediately! 

I attached a snapshot of my credit report with the errors circled. I have also attached a copy of the letter that was sent to Experian on XX/XX/XXXX along with the tracking number that proves it was delivered.
Product: Debt collection

after many attempts to pay this debt. off this company refuses to remove this debt from my credit report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a U. S. Bankruptcy Court ( Georgia ) item on my credit report that they have not validated or verified as outlined by FCRA. I 've asked them to send me the name, address phone number of the person or persons etc. they spoke with or the documentation validating and verifying the information but they have NOT!!!!!!!!!!!!! Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court ( Georgia ) have stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified this inaccurate public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I demand all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Help in in getting Transunion Credit Bureau to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file Transunion maintains under my name and social security number.
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion is required by federal law to verify through physical verification of the ORIGINAL SIGNED consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit card or prepaid card

Hello, I filed a price protection claim and have yet to receive the attestation form. I have followed up 3 times and each time I get the same response that the form was sent and it now will be resent. The claim will be closed in 45 days if they do not receive this form from me.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX MACYS XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Macys, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX : {$8500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts 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
Product: Vehicle loan or lease

As you can see from attachment monthly statement, I am {$23.00} ahead in my payments with the next monthly installment due XX/XX/21 in the amount of {$420.00}. Now, as of XX/XX/21, my account says that I am {$95.00} past due and new total of {$320.00} is due on XX/XX/21. How can a past due amount reduce an amount that isnt due yet. This is outright FRAUD!
Product: Credit reporting or other personal consumer reports

I noticed on my Experien account that my credit score is drastically decreasing. This hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I was unaware of is damaging my credit. I need help to get these inquiries off my credit report.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/2024 I was solicited via XXXX XXXX to play an online casino game. After responding and getting instructions on play, I paid for {$100.00} worth of credit using my Chime account. The person immediately before granting me access offered a more appealing package for another {$100.00} dollars, which I also paid with the Chime account. I then went through a grueling process of attempting to get access to what was promised, to no avail. I have screen shots of the entire process. I never received the promised goods or services. And the person later tried to get me to pay even more and he could fix it. 

I reported the incident and account to XXXX and have heard absolutely nothing from them. I reported the fraud to Chime, and they refused to do anything. When I asked to talk to a supervisor, they refuse. The Chime agent was very disrespectful and I am hoping they have recordings of our conversation. 

XXXX, thank goodness, preserves the entire incident of which I have copies.
Product: Credit reporting or other personal consumer reports

Opt Out Notice Per the Fair Credit Reporting Act, as a federally protected consumer I, XXXX XXXX, am now opting out of any and all authorization I, the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802. 


15 U.S. Code 6802 - Obligations with respect to disclosures of personal information NAVY FEDERAL CREDIT UNION never disclosed to me that I have the right to opt out of nonpublic personal information. 

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In accordance with the Fair Credit Reporting Act, NAVY FEDERAL CREDIT UNION : Account # XXXX, has violated my rights. This company continues to report consecutive late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX from XXXX XXXX XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report. 




Thanks, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023. An unauthorized transaction was made at XXXX for {$520.00}. I opened the claim at wells fargo and I said my card was used and it was authorized since I lost my card that day when I was in Maryland. Immediately after I freeze my card before it was used anymore. On XX/XX/XXXX, they closed the claim and said it was made by me or someone I know so they cant dispute the transaction. Then I contacted them again on XX/XX/XXXX to ask why it was not approved, they said the same reason as last time it was an insert purchased and was made by me or someone I know but I told them many times that it wasnt and they cant do anything about it so they made a suggestion to contact XXXX to see what they can do and they sent me a copy of receipt that was purchased that day to use as the evidence. Again I tried contacting Wells Fargo, and they couldnt open the claim again so they had me transfer to another call which was an 1 hour 30 minutes and no one picked up after 2 hours of wait and they said they cant do anything about it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert on my credit monitoring services. It states that my credit had been pulled for an auto loan. I had not authorized any XXXX or did a credit inquiry to purchase no vehicle. I called and was told to call my credit bureaus. As I called transunion they refused to remove inaccurate and erroneous information. I stated to XXXX XXXX that I have been dealing with a stolen identity since XXXX and that I have been a victim of identity theft. I advised I could provide a copy of my police report from XXXX and they refused to remove this fraud activity done on my credit report. 

The fraudulent inquiry is below XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX. BMO bank transfered {$1800.00} from my checking account under a transaction called : " System generated transaction to set XXXX balance for Relationship Checking ''. 
My account balance was set to XXXX. BMO bank closed my checking account in XX/XX/XXXX while I still have a balance in my account. I never received a check to recover my account balance when they closed it. 

I called customer service and ask about the check but they refused to help me because my account was closed. 

Recently, on XX/XX/XXXX, I got a notification on my online banking that BMO bank transfered {$1800.00} from my checking account under a transaction called : " System generated transaction to set XXXX balance for Relationship Checking ''. 

I did audit all transactions deposited into my account and transaction taking out of my account, I should have the exact amount of {$1800.00} in my checking account. 

The bank withdraw the money to zero my account balance. I want to get my money back that was in my checking account.
Product: Student loan

I have been paying student loans for the past 5.5 years, and I 've always done my best to pay ahead of schedule. Several times I have taken large sums of money and put that toward student loans to help lower my principal in addition to my monthly automatic payments. Every time, Navient has put that additional payment toward interest before principal. Their website says to submit a letter with a check if you want to specify how to allocate additional payments. I have done this and specifically said do not apply this to interest ; only apply this to principal. They still apply it to interest first. I 've called and asked to speak to managers, and they continue to tell me that what they 're doing is correct and it does n't matter in the long run. I 've argued this and explained that they 're taking advantage of people trying to pay off their loans, and they refuse to correct my payments. 

Also, after submitting payments in addition to my automatic monthly payments, Navient recalculates my automatic monthly payment amount to a lower amount so that the overall term remains the same. I have called asking them not to do this, and they said I 'd have to submit paperwork to get my monthly payment amount back to what it was. It would take approximately a month to process, and if I continue to pay extra, the automatic monthly payments will continue to be lowered. I explained that this again is not fair and they are taking advantage of people trying to pay off loans, and they would not change it. 

Navient knows exactly what it 's doing. Despite trying to pay off loans sooner than scheduled, they still have found ways to take advantage of people. Applying additional payments to interest first ensures the principal remains slightly higher, so they can charge interest on a higher amount. Additionally, reducing automatic payments ensures the term stays the same, so they can charge interest for a longer amount of time. I 'm doing my best to work around these things so that they do n't make extra money off me ( manually going in every month to pay extra on the same day as my automatic payments so interest is already paid for the month ), but my fear is that most people do n't check these things as closely as I do and are paying too much in the long run.
Product: Debt collection

They are trying to collect a debt of about {$300.00} for damage caused to the property where I lived. The damage in question is a window, which without any evidence was charged to me for the damage. 
Again, when I lived in that apartment I pointed out that the window was broken, but they waited for the day after I left to accuse me of breaking it.
Product: Money transfer, virtual currency, or money service

I cashed out {$5100.00} from cashapp to my online XXXX banking account on XX/XX/ at XXXX XXXX. The money was not received as XXXX advised the transaction rejected due to being over {$1000.00} limit. XXXX advised the amount will be returned to the sending party. Cashapp has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.
Product: Debt collection

I have contacted the company and emailed and called a supervisor named XXXX XXXX XXXX who refuses to respond. I sent him proof that the case was dismissed by the court and the company is refusing to stop collection efforts.
Product: Checking or savings account

I went to the Flagstar Bank XXXX XXXX, NY branch yesterday, XXXX XXXX, and opened a premier savings account with a cashiers check. The cashiers check was in the amount of {$100000.00} from XXXX  XXXX XXXX made out to me. I believed the funds would be made available to me the same as cash since I used my cashiers check to open the account. My other two banks did that when I opened accounts with them. 

I spent two and a half hours in the bank opening this account with multiple people. It was now close to closing time. The Assistant Manager, XXXX XXXX, took my check to the back and opened the account for me. She handed me papers and stapled a receipt to the papers. Nothing was explained to me. Upon going home and trying to gain access to my account after receiving assistance from customer support to get online access, I discovered only {$220.00} of the {$100000.00} was available to me. 

I went back to the bank this morning, XX/XX/2024, as soon as they opened and spoke with XXXX XXXX about me not having access to my funds after giving her the cashiers check. She stated that she couldnt do anything about that and that federal regulations required her to place a hold on the funds. She stated that she gave me a receipt that showed the breakdown of the availability of funds. I immediately asked her to close the account because I needed those funds to do some other transactions I was trying to do with the bank.I was told she couldnt close the account either because the check is in transit. She said she followed the banks policies. I told her that none of this was explained to me prior to or even when she gave me these papers. I am a senior citizen ( XXXX years old ) and needed to know that before I gave her my money. Cashiers checks are the same as cash, but she treated my check like a regular check from an unreliable place.
Product: Credit card

Please see attached documents that detail my communications to Talbot 's and the communications that I received from Talbot 's. There has been no effort made by Talbot 's to resolve this matter. The account that they claim has a charge and fees was closed in XX/XX/year>. I received a new talbot 's card which is the one I have used and paid purchases on. There is no outstanding balance on that account. I do not know when the charges began appearing on the old account as I never have received any statements for the old account. This issue was brought to my attention when I saw a negative report on a XXXX Credit Report. This has been reported to the credit bureaus as delinquent which is adversely affecting my credit score.
Product: Debt collection

I never received a bill for any charges that are being requested. I refuse to pay for something that is a result of illegal actions which I believe is fraud and or ID theft. 
I believe my identity has been compromised and Caine & Weiner who bogusly represents XXXX XXXX has tried to collect funds I know nothing about. I never received a bill. I called the Caine & Weiner # which rang in a place out of this country. No one answered and I was afraid my information would be further compromised. They have placed the debt on my credit report which is excellent on XX/XX/year> ( a holiday ). This has caused my score to lower by XXXX points. I have filed a complaint against Caine & Weiner and XXXX with the XXXX.