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

CFPB and FCRA please help me with EXPERIAN! Experian keep throwing items that was disputed and taken off right back on my credit. also, addresses and names I've never gone by. i disputed address that was incorrect and was taken off now they back on again. EXPERIAN is retaliating against me for disputing inaccurate information on my credit report. Experian keeps putting on my account under different names. Now EXPERIAN has blocked my right to dispute inaccurate information off my credit. i now am not allowed to dispute anything on my report and that violates my rights according to the FCRA. I'm asking CFPB AND FCRA assist me in Sueing EXPERIAN for all the inaccurate information. I have a meeting next week with league help in rectifying this matter so that i have my rights back and not violated repeatedly. At this point of calling and trying to fix the issue with Experian. they now put me on hold and never return just keep me on hold until i hang up. If Experian wants to fix this issue and compensate me for violating my rights repeatedly. because when we go to court and i present all the evidence i have from all disputes and replies printed out showing dates, they came back from me disputing with in XXXX hrs. stating its verified and accurate. no fair chance and fair shot at life and credit. I'm Sueing for emotional damages, tarnishing my good name, can't get credit due to inaccurate information reporting to anyone who wants it. 
Im about to sue u for statutory damages and actual damages for reporting incorrectly to my credit reports. filling with the IRS for fraud. I am writing to dispute the in accurate information that Experian is reporting on my credit report. according to the information provided, it appears that there is many inaccuracies found on my credit report. 

As a responsible consumer, i take my credit report seriously and am concerned about the inaccurate information being reported. the false information listed is damaging my creditworthiness and may have serious implications for my facial well - being Should Experian fail to provide Resolution i am prepared to pursue legal action to rectify this error. i have outlined an itemized list below detailing the potential financial losses Experian may incur if litigation becomes necessary.

1. Legal Fees : {$5000.00} 2. Lost Wages : {$3500.00} 3. Emotional Distress : {$7000.00} 4. Statutory Damages : {$10000.00} Please note that the figures provided above are estimates and my bary based on the extent of the inaccuracies and the duration of legal proceedings i am hereby requesting that Experian promptly investigate this matter and provide me with a written response detailing the results of the investigation. I expect this dispute to be resolved within the timeframe mandated by the Fair Credit Reporting Act. 

thanks for your prompt attention to this matter. i look forward to receiving your response within 30 days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Product: Payday loan, title loan, or personal loan

Navy Federal Credit Union ( NFCU ) has charged me interest on late fees in violation of the Fair Credit Billing Act and has refused to provide a breakdown of the late fees and interest so I may pay the late fees. The amount financed has been paid. Additionally, NFCU has reported the late fees & interest to the four credit bureaus as a charge-off. 

The Promissory Note, Security Agreement & Disclosure specify APR on Amount Financed and states the Late Payment Fee. There is no disclosure that interest will be assessed on late fees! 

This issue has been outstanding since 2018.
Product: Debt collection

They are callng me to collect a debt under my husbands name, when they have literally just talked to him on his cell.
Product: Payday loan, title loan, or personal loan

As a consumer and natural person of the United States of America, I expect the CFPB  to enforce the laws it is bound to. Acima is in violation of numerous federal protection laws : -Acima is in violation of 15 U.S. Code 1692 ( b ) ( 2 ) and ( 5 ).

-Acima is in violation of 15 U.S. Code 1635.

-Acima provided me wit ha consumer lease pursuant to 15 U.S. Code 1667.

-When I submitted my credit card ( ssn ) to Acima , I entered into is a consumer credit transaction pursuant to 15 U.S. Code 1679.

-All alleged obligations therein the attached consumer lease are the true obligation of -Acima is in violation of 15 U.S. Code 1692e.

-Acima is in violation of 15 U.S. Code 1667a.

-Acima is in violation of 15 U.S. Code 1635.

-Acima is in violation of 15 U.S. Code 1681a ( d ) ( 2 ).
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have my old Cash App ID which is $ XXXX and I need it linked to my current cash app account which is $ XXXX. 

Could you please ask Cash App to link my old account to my new Cash App Account $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act SANTANDER CONSUMER USA ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment  and XXXX  15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax XXXX XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately.
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the company XXXX XXXX XXXX is committing fraud. They are intentionally reporting false information on my consumer reports. They have already been notified and refused to cooperate in accordance with the FCRA. They are in violation per 15 USC 1681s-2 ( a ). I have contacted the CFPB by phone XX/XX/year>, and was instructed to contact the FTC for fraud regarding these circumstances. Both a representative of the FTC and CFPB agreed with my claim of fraud being committed by another company for intentionally reporting misinformation in my consumer report upon review of the documents I initially submitted to the CFPB supporting my claim. It was stated by the agent from the CFPB that the account associated with the company XXXX XXXX was " fishy '' based on the disputes I made to have them rectify the erroneous items they furnished on my report. I was instructed to file with the FTC for fraud because of XXXX XXXX knowledge of the erroneous inaccuracies and their refusal to rectify the information being reported to the consumer reporting agencies and so I did. Block and remove this account for intentionally reporting false and inaccurate information on my credit reports to damage my reputation and assassinate my character. Block and remove this account. This account is associated with fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name.. XXXX XXXX XXXX  Account # XXXX Account Name... XXXX XXXX. Account # XXXX 
Account XXXX XXXXXXXX XXXX XXXX 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Since the beginning of 2018 I have been trying to contact XXXX to have my account credentials reset. It appears they have updated their systems and my account credentials no longer work. I simply just want to get access to my statements online, however after 3 months of calling and emailing, they are still unable to action this simple request to provide me access to the information on my loan accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me. Please remove the negative items as soon as possible they are hurting my credit. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit card

i contacted the company related to moving some of my personal items from XXXX, XXXX to XXXX XXXX. Initially there were 10 medium boxes, i cabinet, 10 dining chairs, 1 dining table and 2 coffee tables. The quote given to me was for {$1700.00} and i was to pay {$600.00} which i did. A few more items were added and the estimate went up {$2100.00} and the down payment increased to {$850.00}. I paid the differential in the downpayment of {$250.00} for a total payment of {$850.00}. On the pick up date the driver refused to honor the contract and stated that it would cost nearly {$5500.00} to move the goods as in his view the goods to be moved had increased. I refused that as there was no increase in the goods to be moved. Since i refused to pay any additional amount from the originally contracted amount the driver left and the moving company refused to give back my initial deposit. They later offered to give me back 50 % of the deposit which i refused as I want the full amount. This is a classic bait and switch operation. 
I contacted my credit card company to stop payment and they initially reversed the payment and later refused to entertain my request as they said that the terms of the agreement were that deposits are forfeited once paid. The contract was voided once the driver refused to honor the contract till i paid more which i was not ready to entertain. The credit card company should have known better and even after i provided them with all the information they refused. Not only have they reversed the charges ... but are charging me late fee and interests on this amount
Product: Checking or savings account

My debit card was used to purchase things from XXXX XXXX for {$190.00} in XXXX XXXX, CA. XXXX and XXXX XXXX {$22.00} in XXXX XXXX, CA. XXXX XXXX {$5.00} XXXX XXXX XXXX, CA. XXXX XXXX XXXX {$15.00} and {$10.00} XXXX XXXX, CA. These purchases were not made on XX/XX/XXXX and also not by me as I was in XXXX XXXX, CA at the time. I noticed my card was gone when I went to XXXX in the box on XX/XX/01 and had to use my phone to pay and when I got to my job I checked my account to lock the card and noticed the charges. Ive called my bank twice and at first they refunded everything, but on XX/XX/01 they declined my claim. I called them again and they said they declined it because I never reported the elite smoke charges even though I did so they refiled the claim. Then, I got an email saying they declined the claim and when I called again they told me its because they needed proof that I didnt use the card. However, they approved the claim for XXXX XXXX XXXX, but declined the other ones. Im unsure on how to get proof other than me buying food at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX and my card being used at XXXX XXXX around the same time. I would appreciate any help thank you so much.
Product: Vehicle loan or lease

On XX/XX/XXXX, Service Member exercised their right to contract with Navy Federal Credit Union. The service member submitted the necessary documentation, expecting it to be processed within the three contractually agreed days by the CEO of Navy Federal, in accordance with the Uniform Commercial Code ( UCC ), the Truth in Lending Act, and Regulation Z. This was done with the expectation that Navy Federal would respond and rebut, point by point, the notice of surety and bond if there were any defects, in the form of an affidavit.

However, when Service Member reached out to Navy Federal Credit Union for follow-up, they were met with hostility. The service member was subjected to verbal aggression and demands to perform under threat, duress, and coercion. This is particularly concerning as the service member has fulfilled this obligation many times over, and forcing continued compliance would equate to involuntary servitude, which is illegal.

Furthermore, when the service member contacted Navy Federals Fraud Department and Executive Team, they openly admitted to disregarding Constitutional laws, the UCC, and court orders at both the state and federal levels, as well as the service members inherent rights. The service member was instructed to continue performing under the contract, which again would force them into a form of involuntary servitude. 

This situation is deeply troubling and requires immediate attention. The service members rights have been violated, and they have been subjected to unlawful and unethical treatment by Navy Federal Credit Union. 

I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against Navy Federal Credit Union to ensure that such behavior is corrected and does not occur in the future. 

Thank you for your attention to this serious matter.
Product: Debt collection

I have no debt outstanding with any collection agencies. 

I have been receiving unknown calls from creditacceptance, sometimes upwards of XXXX calls per day. When trying to reach them on the phone they ask you to verify your full social security number. 

These are the numbers i have been called from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2017 XXXX Of XXXX center for {$340.00} made efforts to explain situation with the company and that the debts were wrongfully charged.
Product: Mortgage

Due to Covid we got behind on payments starting XX/XX/2020. We tried to pay and figure out options in XX/XX/2020 and the mortgage company has refused to talk to us. They also shut down my online account I was paying on. The mortgage company is Fay Servicing.
Product: Mortgage

Mr. Cooper 's online system only provided summarized amounts without any details on the escrow balance. Despite my efforts to explain my needs, the help center could not connect me with a human representative. Later, I contacted their online chat team, who confirmed that detailed transaction information is not available on their site and provided a different phone number to call. 

The new phone number offered an option to receive information via a separate portal that manages insurance-specific information, but this portal did not provide the necessary information either. On the same number, I found a path to a representative, but the conversation went mute once I was redirected. I waited several minutes, but the call was never answered. I tried this two more times with the same result. 

After all these attempts, I am considering that the company is either unable or unwilling to provide basic information about our escrow account, as they offer no means to obtain it.
Product: Credit card or prepaid card

Chase credit card services is refusing to close a fraudulent charge claim.represenatives claim theyre investigating but refuse to release details that I'm entitled too.a 5 minute call should be all it takes to finalize my claim.this bank has not protected me from a fraudulent charge.ive made numerous complaints all that's left is for me to seek litigation.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX
Product: Credit card or prepaid card

This phony company called " Discover card Services '' keeps calling my phone, from differnet numbers, they say they want to lower all my credit cards. I have looked them up and it is a scam. I keep telling them to stop calling me but they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX ( last month ), XXXX reported an incorrect late payment and or missed payment on an account that was closed and paid in full. In other words they reported a false late payment on an account that had no balance and with a closed status. 
The account was from First Progress Credit cards. The last activity that was reported by First progress was in XX/XX/XXXX. There should be no other activity on the account.