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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Ive discovered that incorrect personal information on my credit report has led to the inclusion of several unknown and inaccurate accounts. These accounts are completely unrelated to me and are causing unwarranted damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX at XXXX at XXXX on XX/XX/2022 and they required my full social security number in order to report my identity theft. I received an email from the company that someone was trying to open an account in my name. I was happy to provide my license to confirm my identification along with the last 4 of my social. They were unwilling to accept this instead of my full social to prove that someone has stolen my identity. I'm hoping you may be able to help me.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$510.00}.
Product: Checking or savings account

In XXXX of XXXX I disputed charges on my Business Checking Account under company name XXXX XXXX XXXX with Navy Federal Credit Union in the amount of {$10000.00} for charges on my debit card from a XXXX XXXX XXXX hotel located in XXXX, Washington. I informed Navy Federal that I did not authorize these charges nor ever stayed at this hotel. Additionally I contacted this hotel that had no record of my staying at this hotel but did have a record of my business debit card being utilized for a stay of another individual that has no relation to my company, after further investigation it was learned that no actual card was swiped for this stay but a manual transaction was conducted billing my card several times from the time frame of XX/XX/XXXX thru XX/XX/XXXX. In XXXX of XXXX Navy Federal Credit Union denied my claim saying no error occurred and closed my checking account. Navy Federal Credit Union completely mishandled my claim and denied he recovery of my funds as this merchant failed to provide a reservation listed under my name, or a signature card bearing my signature or proof of an actual debit card swipe of my card at this hotel.
Product: Checking or savings account

I received a phone call from XXXX XXXX with Chase Bank XXXX XXXX asking me about a wire transfer that I had made on XXXX XXXX for XXXX, I didnt really give much information to her as I am not accustomed to dealing with people that call me and I dont know anything about them. The next day before I found out my bank account was restricted. I was calling to see when my retuning wire transfer was coming back, I was told that on XX/XX/2023. The funds came back but could not be applied to my account because of the restrictions. I went to the Chase bank in XXXXXXXX XXXX. The bank manager XXXX XXXX would not give me my funds and refused to help and I mentioned to him that I had XXXX with XXXX XXXX speaking to me on my cell phone, telling me to put my phone on speaker so XXXX the bank manager could hear her. She is explaining to him that the notes she put down on my account said that I could get my funds. XXXX was arguing with her and saying she has no right to call me. I feel as a customer this bank manager should never have been given this job as he thinks he has all the power that controls the customer lives, but is unwilling to help solve the actual problem and issues to help. This was proven to me when the manager told me that he would check to see about my XXXX wire transfer that was coming back to my account if it was able to be paid to me, he told me that he would call me back around 3 he never did, I called him and left one message to call me. I dove to the bank after I l called the wire department and found out the my wire came back the day before and could of been in my account on XX/XX/2023 so I figured I would be able to get my funds but the manager refused and said the wire person lied to me then he asked me and my wife to leave the bank.
Product: Student loan

Dear Sir or Madam, I am contacting you because I discovered that two late payments were reported to my credit report by Navient ( on XXXX ) several days after I made payment ( on XXXX ). This occurred in spite of the fact that I have never received a billing statement in the mail. 
I strived for many years to maintain a steady record of payments for all of my debts, in particular my student loans. Navient has consistently misallocated my payments for more than 12 years, by applying payments to the only to interest portion of my loan so that the principal has barely been reduced ( see attachment showing the history of my misallocated payments ). 
This conduct has continued for many years, despite the fact that I repeatedly inquired about income-driven repayment plans, only to be informed that I would not qualify. Instead, I was repeatedly encouraged to postpone my payments through unaffordable forbearance plans. 
By failing to correct the information reported in XXXX XXXX, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs. 
Furthermore, Navient is similarly in violation of Section 623 ( a ) ( 7 ) of the FCRA which requires it to inform consumers about negative information placed on a consumer 's credit report within 30 days. I have never received a statement from Navient nor this notification in the mail. 
I contacted Navient on XXXX XXXX, XXXX ( letter attached ) and since that time I have reached out on multiple occasions via phone since then in an effort to resolve these issues but to no avail. 
I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a late payment in XXXX XXXX be removed and to correctly apply my payments to my loan. 
In the event that these reports are not immediately corrected, I intend on continuing to file official complaints with all regulatory agencies ( CFPB, FTC, BBB etc. ) to inform them of these circumstances and pursue other legal routes if necessary. 
I look forward to your prompt response and resolution of this matter. 
Thank you.
Product: Debt collection

I received a collection notice from a third party debt collector regarding debt from an XXXX  XXXX clinic in which I had never been a patient. I called to let the collector know that the debt was not mine, and the agent tried to extract information about other people in my household. I refused to give the agent information about another individual, and he disconnected. I called back to reaffirm the fact that I did not owe the debt. The agent again tried to extract information from me about another member of the household. I refused to give the agent this information again, and he disconnected the call. The debt has now appeared on my credit report, and caused it to fall some 32 points. I do not owe this debt, nor should I be expected to act as a liaison between a collection agent and another member of my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$370000.00} XXXX XXXX XXXXXXXX Balance {$370000.00}
Product: Credit card

I was charged a {$40.00} late fee for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not aware of the the CARD Act until today. However, I am sure Capital One is aware of the Act. Therefore, I am making a complaint. My account with Capital One is under my maiden name of XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX, I had a car accident and my car was totaled by my insurance company. XXXX XXXX XXXX sent a check to Hyundai Motor Finance ( HMF ) in the amount of {$16000.00} in XX/XX/XXXX. The value of my car was higher than the amount owed so I even received a few dollars from XXXX XXXX in XX/XX/XXXX. When I bought my car in XXXX, I had purchased several optional coverages such as gap insurance, wheel and tire coverage, and an extended warranty. Since I did not use any of those coverages, the insurance company which guaranteed the services provided a refund to XXXX Hyundai, the dealership at which I bought my car in XX/XX/XXXX. XXXX XXXX sent the refund to Hyundai Motor Finance and it was received and credited to my auto loan account on XX/XX/XXXX. I didn't owe anything on the loan at that point so I should have received the refund for the coverages which totals {$2000.00}. As of today, XX/XX/XXXX, I still have not received the refund that Hyundai Motor Finance is holding on to. In fact, they have had it since XX/XX/XXXX and is benefitting from interest on my funds. I am XXXX XXXX XXXX and on a very fixed income. There is no reason that it should take HMF over 30 days to process a refund on a XXXX balance account. I would like to receive the money that I am owed immediately, receive any interest that HMF earned, and be compensated for the delay and concern that this situation has caused me. I was already dealing with a concussion from the accident and the stress of this situation has intensified my health issues.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.
Product: Student loan

Account XXXX Navient XXXX XXXX XXXX XXXX, DE XXXX Code 15USC 1692 ( c ) Bankruptcy XXXX  Needs to be removed from my credit report Not the original amount
Product: Debt collection

I would like to report fraud on my credit report from XXXX, and Convergent Outsourcing, their credit collections agency. I have received notice from XXXX that Convergent Outsourcing has listed a bill in collections of {$910.00} as the original bill on my credit report. However, upon doing research I found this bill is fraudantly listed on my credit report, from XXXX. 

Upon moving from my apartment at XXXX XXXX XXXX # XXXX, XXXX, IL I returned the equipment, however they have fraudantly reported the equipment as missing and charged me over {$500.00} equipment fee. I have paid {$100.00} on this account already for the past cable and internet bill. I have made several attempts to call XXXX and Convergent Outsourcing, however they refuse to accurately list the bill. I would like to request an investiagation and report both companies for fraud.
Product: Credit reporting or other personal consumer reports

I a filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting wrong credit score.
Product: Student loan

I knew I fell behind on payments with XXXX XXXX XXXX ( XXXX ) and was having a hard time paying my monthly bill. In XXXX I spoke with someone at XXXX and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to XXXX. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with XXXX and asked if they could get my account out of default because I made a good faith payment. XXXX said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with XXXX. XXXX said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted XXXX again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and XXXX said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. OnXX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to XXXX. When I got back on the XXXX   website my account once again said I owed {$0.00}. When I called XXXX and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from XXXX. I started getting phone calls from a collection agency in late XXXX Trans World Incorporated stating I owed the balance due on my loan ( {$51000.00} ). When I once again  called XXXX they said my loan defaulted and that they no longer have the loan and that I would have to contact Trans World Incorporated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion updated my credit score -46 points, but the only thing that changed on my file was a {$4.00} increase in One credit card account and a {$20.00} decrease in another credit card account. Despite my on-time monthly payment lowering my debt last month by {$16.00} and my credit score went down 46 points In other words if my debt goes up {$4.00} a month TransUnion drops my score -50 points, then when I reduce my debt by hundreds of dollars each month my score would increase 3-6points. This shows a pattern or practice of irresponsible financial practices and needs to be stopped
Product: Credit reporting or other personal consumer reports

In accordance of the credit reporting act these creditors has vilolated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account, XXXX XXXX , XXXX XXXX , Affirm ( 5 ) accounts ), XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX . 
Under 1681sec 602 states I have the right to Privacy Under 15 USC1681 604 A Sec 2 states consumer reporting agencies can not report these accounts without my written instructions Under 15USC 1666B ` - A creditor may not treat a payment on a credit card account under an open and consumer account as LATEfor any purpose. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX AL XXXX. 
SS XXXX. 

Please respond
Product: Credit reporting or other personal consumer reports

I hired Loqbox 's services over a year ago with the promise that they would report my credit positively as long as I deposited {$120.00} per month for a year. However, their automated system has caused multiple issues with my credit report, and I have experienced poor customer service without personalized assistance or effective solutions. 

Currently, I am unable to close my account and receive my deposited money back, despite having made 11 payments and an additional month. I have been waiting for over a week for the final payment to be collected, but the platform remains blocked. I am concerned that this will result in another late payment on my credit report, which has already been negatively impacted by Loqbox 's previous errors. 

Additionally, Loqbox has made unexplained changes to my payment schedule, extending my contract without my consent and causing further delays in my ability to receive my money back. I believe that Loqbox 's actions constitute a scam designed to hold onto my money for as long as possible while threatening my credit score. 

I am seeking an immediate resolution to this issue, including the return of my deposited money and an accurate, positive credit report.
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 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have full account but this number is whats showing on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more i

s incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prov
e my case
Product: Vehicle loan or lease

I was XXXX and someone got a car loan in my name from XXXX XXXX. I just noticed it not to long ag because I was trying to get a loan. It happened in XXXX of 2015. The amount of the loan was about {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknow account from XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

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

Upon reviewing my credit report, I have identified XXXX accounts that need reporting and correction through your company.
Product: Debt collection

Need to depsute fraudulent inquiries on equifax credit reports asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 3 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2016, this account of {$1200.00} has been on my XXXX  and Equifax credit reports from XXXX XXXX XXXX XXXXXXXX XXXX. I have been disputing and asking validation for several years to both the creditor and both agencies. So finally this past XX/XX/XXXX XXXX deleted the collection account based on my disputing this incorrect negative information plus Hippaa laws but Equifax didn't remove claiming it been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I love my XXXX  XXXX  but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.