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

hey furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX XXXXXXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX cox XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my XXXX XXXX car payment was due of {$390.00}. 
I only had {$390.00} in my US bank account & due to low funds I was charged an over draft fee. Unaware, I paid the overdraft fee, but told them since I had {$0.00} in my account if they can prevent any payments from being swiped. 
They agreed, yet they allowed 4 other payments to go through saying that those are " automatic payments '' & cant do anything about those. I was really upset. 
I now have {$260.00} in debt with US bank so I have cancelled my bank card with them & no longer a member. 
However, I am here trying to fix my situation & not in the position to pay any of the funds, let alone the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor XXXX XXXX XXXX does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory information.
Product: Credit card or prepaid card

Exhibit A : CapitalOne Bank kept open XXXX XXXX checking account that was closed nearly two years in order to consume every cent. I received letter dated XX/XX/2020 indicating account finally closed. CapitalOne Bank had wiped out funds left in my account that CapitalOne initially closed when I complained of fraud. In fact, CapitalOne also closed all XXXX accounts also that I XXXX. 
Exhibit B : CapitalOne Bank had agreed to lower monthly payments on credit card to {$110.00} due to COVID-19, but statements constantly much more. 
Exhibit C : CapitalOne Bank did not offer lower payments on credit card that has limit of {$500.00}. Increases in monthly payments continue while no assistance due to COVID-19.
Product: Checking or savings account

Money was taken from acct XXXX I was not notified from bank that card was being charged {$2000.00} until I went into my app to see my acct was at {$0.00}. So I reached out to Bank of America they asked I go to the bank to speak to someone so I did. Specifically spoke to someone who stated I was the XXXX person that was there to speak to someone because of fraudulent activities on their bank accts. Co workers with Bank of America even had these suspicious activities that same week. After I spoke to the the rep at the bank they stated it would take 45 days for the acct to be reviewed and investigated. I had not received any type of notice until I called BofA. She stated they needed to close my whole acct and make a new one. Never received any new bank information or a call to have something set up or have me come in to get a new bank acct. A few days later I had received a letter basically stating they reviewed account and no further action was needed. This was my mortgage payment and has now put me behind.
Product: Debt collection

Portfolio Recovery calls at least 6 times a day at all hours of the day. Theyve called before Ive woken up in the morning- before XXXX, and theyve called relatively late in the afternoon too. I have talked to them before to stop calling but they continue to do so and the lady I talked to about it was not nice. I have since blocked the original number and they keep calling me on new ones now, every time I block it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against a EQUIFAX. I have a credit monitoring account, so I check 3 times a week. On XX/XX/XXXX my credit score was XXXX with XXXX revolving accounts with balances. I pay all of my bills on time ( more than the minimum payment amount ). My XXXX XXXX card was paid in full with {$0.00} balance on a {$8200.00} account. My credit score dropped from XXXX to XXXX. I contacted customer service via chat to no avail. No one could tell me how or why my score dropped. I believe equifax is unethical towards minorities and list credit scores lower than what it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple letters regarding this account that violates my privacy and at this point I am a victim of identity theft and I am righting this to get the following deleted from my reports Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1700.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my EXPERIAN I did not do these. I believe someone has accessed my credit please delete and remove the unauthorized Inquiries. 

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: Credit reporting

trying to get my credit score. they are asking me questions to verify my identity. but i can not answer their questions about my current mortgage and credit cards because i do not know anything about them. someone has stolen my identity and is using my credit, but i ca n't get a copy of my credit report to find out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are still reporting with a balance and it should be reporting zero. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 



I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory XXXX period. 



Thank you for your attention to this urgent matter. 



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

Credit card usage XXXX  XXXX XXXX $ out of XXXXXXXX XXXX XXXX XXXX Credit card usage XXXX  XXXX XXXX $ out of XXXXXXXX XXXX XXXX XXXX XXXXhese credit cards should not reflect these amounts because it is an incorrect cut-off date and should not be reflected in this credit report.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2024 I began receiving treating phone calls from https : //www.debtdirectmanagement.com/. I tried to settle with them for my original balance and they refused to work with me and insisted I made XXXX dollar payments for a XXXX $ loan from XXXX. They continue to call and threaten me after telling them to stop.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed Stash investment account that was issued back in XXXX XXXX XXXX and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're working on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last XX/XX/ I've been on this matter. Around XXXX last year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since last year XXXX, I have not yet received any valid update regarding my funds from XXXX Investment or XXXX XXXX XXXX and even 53rd bank.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint concerning the fraudulent items found in XXXX, Equifax, and XXXX Credit Bureaus. I am requesting once again for the removal of these items. In accordance with the FCRA regulations, it is my understanding that your organization is obligated to conduct a thorough investigation into the items listed on the identity theft report. To facilitate and expedite the investigative process, I have attached relevant documents that provide additional context and evidence related to the erroneous information currently present on my credit report. These documents aim to assist your team in comprehensively addressing the items that are not associated with me or have been initiated without my authorization. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$9900.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Mortgage

It's XX/XX/2020. 

I have not received my XXXX Statement and My Payment is due on the XXXX. I did not receive my XXXX Statement until XXXX. I contacted SPS about previous late statements before XXXX. The Statements are still pushing the Payment Date real close. All I get for an answer is it's the Post Office. This is not my first complaint. In My previous complaint I addressed the late statements. They are still coming very late. 

God Bless, XXXX is wondering where the protection is.
Product: Checking or savings account

robinhood controls my stocks in XXXX XXXX of all my buisneses i created this with XXXX so that i can control my companys and there are not trained in my company to keep up, i have not recieve my money yet, or info to withdraw from any company in my bitcoins i am being robbed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.XXXX XXXX XXXX card issued by XXXX XXXX XXXX.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to XXXX 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of XXXX XXXX.
Product: Checking or savings account

I am writing to complain about NavyFed Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was still charged a fee. Due to slow postings of charges and credits. This issue aligns with the recent CFPB findings against XXXX. Federal Credit Union for similar issues. I believe these are unfair and should ve investigated into my account transactions
Product: Student loan

To whom it may concern, I had a student loan with Discover Student Loans, which I paid in full XX/XX/XXXX. 
Since that day, I keep receiving physical letters from Discover. 

On XX/XX/XXXX, I requested them, in written form. through their website, to stop contacting me and to delete my personal information since the debt has been paid in full. 
They responded, in written form, through their website, that they would stop contacting me, unfortunately, to this day, XX/XX/XXXX, they are still sending me physical letters. 

Please proceed to instruct them not to contact me again, in any way, shape or form. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son, XXXX, purchased a vehicle through Bridgecrest ( XXXX XXXX ). I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through Bridgecrest at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. Bridgecrest is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. XXXX  only accepts their version. This is wrong! Can you help me?
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I sent {$450.00} to my wife in XXXX through MoneyGram , I got my confirmation number with assurance of money being available to receiver in 1to 4 business days. After a period of time or day/days of waiting, I called MoneyGram and also tracked the transaction but there was nothing wrong with the transaction. Receiver called the agent but was told, MoneyGram never released the money to the agent in XXXX I spoke with some representatives and I was told the third party/agent in XXXX where the receiver supposed to receive the money, need to be investigated for as to why the receiver didn't get her money and I must wait after 90 days to get refund. Why must I wait for 90 days for doing legal transaction? .I asked for MoneyGram terms and conditions reference page/policies regarding to 90 days money withholding due to investigation but they couldn't give me any policy reference page. Unclaimed transfer after 90 days expired but in this case not so.They always subject me to unreasonable customer abuse for no reason, custom abuse is unlawful and not right. Anytime I sent money they suspect fraudulent activity without any proof. Countless times they cancelled the transaction without any tangible reason. Why must you hold up my money to investigate a third party agent. I really need to know because this abuse is unethical.
Product: Debt collection

The original company is the cash store. I have been in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly asked them to send documentation showing the debt and also for them to provide their company address to send a debt validation request to. They refused and said they don't have to. They threaten court proceedings but will not provide any documentation at all. The names are XXXX XXXX and XXXX XXXX. Phone numbers I have are XXXX, XXXX, XXXX, and XXXX. They contacted my cousin which his name and number were never given to them. They fail to provide any documentation or their company information to get validation. This company refuses to provide any documents and just makes threats to sue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred. 
Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate. 
As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}