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

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX, XXXX ) ( XXXX  XXXX XXXX, XXXX, XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Experian written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Debt collection

I, XXXX XXXX Consumer and Natural Person, extended my credit to BBVA USA. I have been made aware that BBVA USA committed multiple violations of Federal Consumer Protection Laws Violating my Federally protected consumer rights. BBVA USA has taken adverse action against me as a consumer, slandered my reputation and character, and had no authority or authorization to discontinue my credit. Pursuant to 5 USC 1691d.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XX/XX/2023 Confirmation # XXXX Equifax has not resolved my issues on my credit report. 

wrong address and various information. 

I also requested a full credit report from Equifax in which they did not send. 

I requested last year back in XXXX my XXXX free credit report with all the pages in which they did not send out to me. 

Equifax should be closed down for lies as they resolved my issues in which how did you resolve my issues with out sending a credit report nor fixing any information to the problems. 


send a complete credit report with all the pages to my credit file and stop playing games.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with XXXX and Equifax Credit Reporting Agencies only and not with XXXX. 

On XXXX XXXX I received a XXXX alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XXXX XXXX. 
XXXX XXXX implemented a recent XXXX XXXX XXXX  credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with Equifax. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX Trade Line of a merchandise credit of XX/XX/2015 till Present.I have been making timely payments since XX/XX/2015 till Present. 
I made contact directly with XXXX XXXX on XXXX XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX  and Equifax. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Respectfully XXXX XXXX are supporting our Military Veterans and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : -XX/XX/XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I have several store credit cards with sinchrony bank. Last month all of my credits cards with them were maxed out with several large purchases in different stores all over the united states. I reported this incident and they were quick to resolve this issue. The problem now is with the new cards i was given and accounts, XXXX of the new accounts given by them was again charged with a purchase i did not do. I am concerned that their cyber security is not up to part. How is it possible for this to happen to all the credit cards and the after they have resolved the issue it happens again. I do not trust synchrony any longer and i am not able to close the accounts either.
Product: Money transfer, virtual currency, or money service

On about XX/XX/XXXX, I received an instant message stating that I need to contact Cash App because fraud had been detected on my cash app card which was attached to my TD Bank account. I called the number provided ( see email provide to XXXX XXXX ) and was told that I should put in several codes provided by the person to correct the problem and did as I was told. Not realizing that the codes were actually dollar amounts being scammed via cash app and XXXX from my bank account, which actually started on or about XX/XX/XXXX directly through cash app and without my knowledge. Before I realized what was happening the scammers had depleted my entire bank account of approximately {$15000.00} of FDIC Insured cash, leaving me owing the bank. Once I realized that I had been scammed, I immediately contacted the bank ( see email ) and cash app and file a fraud report. I was told by cash app that they were not responsible and could not stop the transactions ( see email attached ) and I was provided provisional credit of the missing funds in about 3 day by TD Bank. On XX/XX/XXXX, I was notified by TD Bank that my account had insufficient funds available and was locked out of my account access. I had not spent the entire provisional credit and should have had {$6600.00} available. I immediately contact TD Bank to obtain information about the issue and was told that they had taken the FDIC insured provisional credit back after review of my claim and that I now owed the bank {$6600.00} and that no transactions would be allowed on this account. I disputed this resolution with the bank and while waiting for the results of my dispute on XX/XX/XXXX, my FederaXXXX XXXX Allotment of {$1700.00} received into the acccount ( see email ), which was not suppose to be allowed, was used by TD Bank to pay off some off the disputed amount. This XXXX allotment should have been returned to OPM ; however, the bank decided that they would do as they pleased after treating me as if I were the scammer who committed fraud on myself. I filed a police report ( see attached ) with XXXX XXXX Police, to investigate the bank and scammers. I am permanently XXXX and need my money to survive. I would like for the CFPB to conduct an investigation, have the bank return my funds, and be compensated for the inconvenience and further deterioration of my mental and physical health XXXX do to their actions.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX  Account # XXXX is not complete and accurate. One more thing, according to 15 USC 1681s-2, 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. I sent a letter asking them to make sure everything is complete and accurate, and here is my confirmation file # XXXX, issued by TransUnion. They sent me my investigation back and said everything is complete and accurate, but if you check my attachment, everything is not complete and accurate. And, according to 15 USC 1681i 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to this law, they are supposed to provide me with a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description, which they did not do! According to 15 USC 1681s-2, they are not supposed to 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. Lastly, pursuant to 18 USC, the company is also violating my consumer rights to privacy! Tell them to delete this account from my credit report file immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. CarMax Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/2022 ( Inquiry ) XX/XX/2022 All credit inquiries have been disputed multiple times XXXX XXXX XXXX XXXX {$840.00} dollars I have disputed this account for the past years and they have yet to send me proof of the balanced owed or provided with written proof. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this account many times and they have yet to send me proof of this account. I have no knowledge of this account. 
10. Florida Child Support collections : Child Support has been Illegally reporting a collections balance on my credit report for months even though I am no longer in arrears. I missed out on buying a house due to I couldn't find a mortgage company who give me a loan, until my child arrears are off my credit. 



15 U.S.C 1682 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted an application for a Balance Transfer Credit Card to Wells Fargo Bank, N.A. They responded that they were unable to approve my request because a Credit bureau report shows consumer status as deceased. They falsely claimed this information was provided to them by XXXX, which is clearly not true. Copies of Wells Fargo rejection letter and the XXXX report are being submitted herewith. The Wells Fargo form-letter is signed by the Credit Department and provides no contact names or addresses, only a phone number. 

As you can see, the XXXX report ( # XXXX ) says nothing about me being deceased. It also shows I have excellent credit. I certainly dont deserve to have false information reported about me, nor does anyone else who may have applied. The bottom line is the reason given for my rejection is false. It has nothing to do with XXXX, and everything to do with an error or incompetence or questionable practices on Wells Fargos part. I would pursue the application with them directly, but at this point, I have no desire to have their credit card or to do business with them. I just want to make sure they discontinue these practices of providing false information about/to future applicants and/or denying applications based on false information. I strongly resent that addressing this issue took a substantial amount of my personal time to check all my accounts for identity theft, fraud, etc.
Product: Debt collection

I received an interim report and answer of garnishment for a debt that does not belong to me and is name on the case is not mine. The garnishment is another state and court of another state not of my identity.
Product: Debt collection

Several months ago, I was notified that my credit score had been negatively impacted due to a collection filing. My credit score normally hovers around 830-850. 
Upon investigation, the collection account was for an XXXX & XXXX debt in the amount of {$1200.00}. I have no business with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to advise them that this is not my debt. Upon discussion with XXXX XXXX XXXX, they said that someone purchased a phone through credit and then never made any payments. Clearly, this was some sort of scam and XXXX XXXX XXXX was victimized. 

We agreed that the account was : 1 ) not set up in my name, but in the name of XXXX XXXX, 2 ) the social security numbers did not match and 3 ) the street addresses did not match.

They agreed to release the collection and move on. I followed up with all three credit agencies and the collection has been removed. 

Last week, I received a debt collection notice on behalf of XXXX XXXX XXXX from ERC. It seems they now have my address, which I gave to them on the phone when I originally called to prove they had the wrong " XXXX. '' I will restate the following : 1 ) I am not XXXX XXXX and have never been XXXX XXXX ; 2 ) I do not know who this person is ; 3 ) The XXXX & XXXX account and collection letter is in the name of XXXX XXXX, who is not me ; XXXX ) XXXX XXXX has never lived at my current or prior addresses ( I have lived at my current address for 23 years ) and 4 ) none of the other identifying factors match to me. 

I have spent a great deal of time already on this issue. I do not know how to get AT & T to cease and desist contacting me directly or indirectly through collection agencies. 

This is not my debt. I am not this person. Your help in resolving this issue would be greatly appreciated. It is threatening, stressful and time consuming to me. Thank you.
Product: Money transfer, virtual currency, or money service

I requested a transfer to a friend in XXXX for XXXX $ on XX/XX/XXXX the money was deducted from my account. On XX/XX/XXXX the transaction was canceled citing large amount not accepted by recipient bank and was told that money has been refund to my account. However it has been more than 20 days and still not refund. I provided account statement and asked for proof of confirmation from bank but they are not providing same and keep telling me different story everytime I call.
Product: Vehicle loan or lease

A compliant was filed with the CFPB on XX/XX/2021, pertaining to this company violating the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ).
Product: Student loan

In summary I cosigned a loan for my daughter with SallieMAE for {$10000.00} in XXXX. Both of our records confirm that I have paid diligently from XXXX XXXX for a total of {$12000.00}. NAVIENT said that I owe an additional {$2200.00}. I can not fathom how they calculated this much in interest. The only correspondence I have about the interest rate shows 3.25 %. The manager from Navient ( spinoff from SallieMAE ) told me on the phone it was a variable rate, but they have not been able to provide any documentation to confirm that. I have letters from SallieMAE in XXXX and XXXX that state the interest rate is 3.25 %. At 3.25 % the loan should have been paid off in XXXX as I believe and my payments confirm. I also paid off 2 other daughters student loans at the same time. In XX/XX/XXXX Navient reported that I was behind payments by 2 months. This made no sense to me since I had stopped payments in XXXX of XXXX. 

I opened a dispute with the credit agency, but it was closed 2 months later. I spoke with NAVIENT to try and resolve, but they could not provide any documentation or proof about the how they calculated approximately a {$15000.00} debt on the {$10000.00} loan. This equates to a 50 % interest assuming no payments were made. The indisputable facts are that I made over 145 payments for {$84.00} per month for a total of {$12000.00}. 

I think it is outrageous for Navient to be looking for more money from me for this student loan and to report false information to the credit reporting agencies. Both my daughter and I have been harmed by the negative credit report. 

on XX/XX/XXXX I had a call with a Navient manager, and we negotiated a settlement of {$890.00}. This manager said that our credit report would be updated to reflect " Paid '' or " Satisfied '' if we  paid the {$890.00} by XXXX on XX/XX/XXXX. 

I received the settlement offer, only to learn that the credit bureau status would be updated to paid in full for less than the full balance. In addition, there would be a XXXX issued on the balance of the amount they said I owed less the settlement amount. 

I understand these firms need to collect when payments are not paid or fall behind, but my payment history clearly demonstrates that I diligently made the loan payments from XXXX to XXXX and thought I had paid off all my kids loans by XX/XX/XXXX. 

I firmly believe the tactics used to recover this debt is the result of shady lending tactics by SallieMAE, Navient and XXXX XXXX. Our financial reputation has been severely damaged as a result of these tactics. 

Trying to get help from Navient, XXXX or even through the attorney generals office is not helpful. 

To this point Navient will not provide any supporting documentation to show how they determined the additional debt. In fact they provided false information to the credit bureau, stating that I was making payments through XXXX of this year. In addition they report that my payments were only {$60.00} per month. Both points are not true, I can show that I made payments of {$84.00} from XX/XX/XXXX XX/XX/XXXX. 

Any help you can provide is greatly appreciated. 
XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I want to dispute my phone bill debt because I was told once I went to another phone company I didnt have to pay the remaining balance due to the company was going to
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about a vehicle with mnfreshstart on XX/XX/XXXX from one of their false advertisements on XXXX. 
No where on their website did it say an inquiry would immediately hard pull my credit from 10 different financial institutions. XXXX called me within the hour and said he was reviewing my application. I asked him if this would be a high interest loan. He said of course I had no other choice due to my credit score or history. I immediately said No I do not want a high interest loan. He then began to belittle, name call me, scream at me and hung up when I firmly said to him I do not want a high interest loan. I had no ideal that my credit report was hard pulled by over 10 different creditors from transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of rebuilding my credit and this type of dirty XXXX makes it more difficult. I want all of these hard pulls removed from credit report immediately in the name of false advertising and dirty sales tactics. Thank You