23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX, I initially applied for an account with Navy Federal. They denied me with no explanation or letter as to why I was denied. Ive applied XXXX XXXX. In XX/XX/XXXX, I reapplied. They confirmation stated I needed to hand in verifying documents for my identity. When I went into the branch a week later, XXXX, a rep at XXXX XXXX XXXX XXXX said she check me in and I would be next. XXXX minutes went by and in that time XXXX other customers walked in and needed to speak to a representative. I waited over an hour before I walked out. within that time, there was no communication and XXXX saw the other customers before me. I called the customer service line but not XXXX person addressed my concerns. I decided to go into the branch again on XX/XX/XXXX to speak with the branch manager. I spoke with XXXX and he stated they use a outside agency named XXXX and they denied me. I called XXXX, the Agent could not find me in his system and asked me for my information to build a profile I refused. I called XXXX XXXX ( branch manager ) back and now he stated the back office just needs my identity and mailing address confirmed. I handed him my ss card, VA ID, DL, proof of residency, up to this day, I have not received any notification as to opening my account. Ive called the customer service line, they blame the branch, I go into the branch, they treat me as if Im not worthy to branch at a bank that was build for me. I have emails, records, recorded calls, numerous supervisors names and this is now the second time Ive handed Navy federal my personal information and it is exposed to them for them to not deal with me.
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. 

XXXXDEPT OF ED : # XXXX 15 U.S.C. 1681 Section 602 A. States I have rights to privacy.

15 U.S.C. 1681 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 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 with 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

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Credit reporting, credit repair services, or other personal consumer reports

enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved onXX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments
Product: Credit card or prepaid card

Comenity XXXX XXXX XXXX XXXX billed me twice in one month ( XX/XX/2023 ). This is illegal. The second bill is for a different and increased amount. The excessive billing is done in retaliation for submitting a complaint to the Financial Protection Bureau ( CFPB ) and to communicate that Comenity intends to act in a spiteful manner to the customer along with defiance to the CFPB and relevant law. Harassment. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I already submitted copies of my related receipt and bill with the previous XX/XX/ complaint to the CFPB about Comenity Capital Bank.
Product: Credit card or prepaid card

I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not receive a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT receive any credit from this company. Please have them remove the inquiry from my credit report.
Product: Payday loan, title loan, or personal loan

I have biweekly payments on an installment loan that is same as price if paid within three months. I made an extra payment toward the principal loan and so they stopped my agreement and started charging me 158 % interest on the loan immediately and before that were already charging me astronomical interest charges that were not in the agreement.
Product: Debt collection

Hello - Myself a single mom protecting her family from a violent case of domestic  XXXX , if this debt collector has any knowledge of the law when they see - I was awarded full and sole custody of my children, they should understand.     In   XXXX   thought it was all over and we finally safe, unfortunately this was not the case - I again had to make the choice to use all my funds to re locate my family.     As I have stated many times to this debt collector no one will rent to me with this reported collection on my report. This debt collector  Midland Credit Management , Inc. reque sting proof of my hardship. Attached is proof of my hardship all white outs are to protect my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why Equifax, XXXX   and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c, Pt furnish a account without my written I instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account unde ... 1 open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies within the last 30 days. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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. 
XXXXXXXX XXXX XXXXXXXX Revolving with account # XXXXXXXX XXXX XXXX XXXX XXXX Installment with account # XXXX Chapter XXXX  bankruptcy 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 can not furnish an account without my written instruction 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

On XXXX of XX/XX/XXXX I wrote a dispute letter to your Consumer reporting company to uphold the FAIR CREDIT ACT Section Act 609 that requires them by federal law to verify through the physical verification of the original signed contract any and all accounts that post to your credit reports. The accounts that I requested to be deleted were not authorized by me and do not have my correct name. It has been over 30 days and the accounts have not been deleted. I have sent a " Demand to Comply '' letter on XX/XX/XXXX to delete the disputed items off of my Consumer Report because it has been over 30 days. The consumer reporting agency has not Complied and I demand by Federal Law that they should have complied to my demand. Please enforce this demand and protect my Consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX DOB : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Product: Debt collection

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I have 3 accounts present on my credit report that have violated these laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit collection services ( XXXX XXXX ) XXXX
Product: Debt collection

Accounts -3 Total amount - XXXX Dates of original service by original service provider - XX/XX/14, XX/XX/14, XX/XX/14 I wanted to make a settlement. We couldnt agree to terms, I was threatened to get sued along with damaging my credit further. Comments where made I wish those payments could go directly into my bank account. 

I didnt know that a debt collector could bring back a payment on your credit report that is more that XXXX XXXX XXXX. 

I never received documentation from debt collector off the accounts owed. I found them on my credit report. After the first call is when I began to receive calls from them but still no information about debt was ever sent by company. I only can view it on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and some accounts showed up on my credit report that I did not open or authorize. I have tried to get them removed, but they are still there. These accounts are hurting my credit, and I should not be responsible for them. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to have these fraudulent accounts blocked and deleted from my credit file. Once I report them as identity theft, the credit bureau must remove them within four business days.

I have already sent a dispute to XXXX, but they have not fixed the issue. These accounts should not be on my report, and I should not have to fight to get them removed when the law is clear.
Product: Debt collection

I was summoned to court for being sued for credit debt from when I was XXXX. I am now almost XXXX XXXX XXXX and I believe that being I am in the state of XXXX, this debt has reached the statute of limitations and I should not be sued for this debt.
Product: Credit reporting or other personal consumer reports

Failure to properly investigate disputed accounts reporting on the consumer file. 
See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .I did not give them any written instructions to furnish this on my credit report. I sent certified mail and feel like Im being taken advantage of and being ignore by my disputes. I demand these accounts to be deleted immediately or I will file for ligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, these all hard inquiries that I do not approve. Transunion
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. This item needs to be removed immediately. I never signed anything with this company. This collection account from XXXX XXXX XXXX XXXXXXXX needs to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Equifax in response to receiving my consumer report that is negatively impacting my consumer report. As per 15 USC 1681a 2, my transactions and experiences between me and the person making the report should be excluded. Additionally, 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Finally, 15 USC 1681b ( a ) ( 2 ) outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. As the consumer, I did not give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate, and injurious information to my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from report they are hurting my ability to obtain credit. 

The following accounts are additional accounts and their account numbers that are fraudulent and that must be removed from my credit report 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: Mortgage

I am disputing the continued reporting of late and missed payments on my mortgage account, despite my participation in the XXXX assistance program and the subsequent sale of my property, which fully satisfied the loan. Your failure to update my account accurately violates federal laws, including the CARES Act, Fair Credit Reporting Act ( FCRA ), and Texas state consumer protection laws governing fair credit reporting.
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.
Product: Credit reporting or other personal consumer reports

XXXX I called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX inquiry date : XXXX XXXX credit acceptan inquiry date : XXXX XXXX acceptance inquiry date : XXXX XXXX. XXXX XXXX inquiry date : XXXX XXXX XXXX auto inquiry date : XXXX XXXX Portfolio inquiry date : XXXX XXXX Financial inquiry XXXX XXXX. XXXX XXXX XXXX inquiry date : XXXX Equifax - XXXX called the customer service department and they did not help remove the negative inquires that is reporting to my credit report. 

XXXX credit inquiry date : XXXX XXXX XXXX inquiry date : XXXX XXXX. Ally financial inquiry date : XXXX XXXXXXXX XXXX XXXX inquiry date : XXXX XXXXXXXX XXXX XXXX  date : XXXX XXXX XXXX of XXXX inquiry date : XXXX XXXX FIN # XXXX inquiry date : XXXX XXXXXXXX XXXX  Sales ( XXXX inquiry date : XXXX XXXX FIN XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Tree XXXX XXXX inquiry date : : XXXX XXXX XXXX BA inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX date : XXXX XXXX Store of XXXX XXXX XXXX : XXXX XXXX. Bank XXXX XXXX inquiry date : XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$2300.00} XXXX XXXX XXXXXXXX - {$15000.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, which resulted in unauthorized use of my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have accounts and inquiries resulting from identity theft blocked and permanently removed from my credit file. 
XXXX AccountXXXX 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I open the online banking and the Bank Credit card tells me I owe money {$560.00} or something like that and it says my account is closed. Can I sue the Band Of America? 
I called them twice and the said I did not owe money and the account is open.