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

On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to XXXX, Equifax, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
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. Original creditor. XXXX XXXX. XXXX XXXX XXXX. XXXX 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 reporting 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 customer 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

This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX
Product: Checking or savings account

XX/XX/2025 i deposited a check that was to be prepayment for work. i let check stay in my chase account for eleven or twelve days to make sure check wasn't fraud.the person asked me to pay for XXXX for new XXXX . i said no they gave a sob story so i said once check cleared i would pay XXXX. so check went into my account XX/XX/XXXX i then sent four money transactions through XXXX to said XXXX or whatever. the check wasn't XXXX i sent XXXX to this person and then check all a sudden was no good. i tried to call bank 3 times and was told refer to sender of check. also i could not file fraud against check. i was under impression my bank had me covered. now my credit is taking a hit. account been shut down. this is ruining me.please help file fraud against check I don't have the money to fix this problem. also want to file complaint against chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 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.
Product: Student loan

MOHELA lost all of my information regarding student loan forgiveness when they transferred to a new platform. I faxed the information back in with no progress. They also messed up on my forebarance and sent me a bill during that time. No one responds to the emails that I've sent and it's difficult to get a person on the phone.
Product: Debt collection

I advised Americollect back in XX/XX/2020 that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I have done my due diligence, supplied all documentation and yet they are giving me a hard time and impacting my credit over a debt that does not belong to me. I want this item removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Product: Checking or savings account

I am writing about this complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having a sufficient funds when transactions were authorize. I was charged fees due to lagged posting of charges and credits. This issue aligned with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance, despite initially available funds. I believe these practices are unfair an request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXX Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy on XXXX/XXXX/XXXX. It does not show on Equifax. It does show on XXXX and XXXX as it should but now Equifax. My attorney told me I was eligible for a discharge on XXXX/XXXX/XXXX which is today so I would think that it should have been on Equifax by now. I contacted Equifax back early XXXX and they told me there 's nothing they can do. 

Also, I noticed that shortly after I filed bankruptcy, I noticed I had a hard inquiry on my Equifax credit report only. I NEVER reached out to XXXX to purchase anything so they never ran my credit. I called Equifax and they again told me they ca n't do anything about it. I escalated it with XXXX and they said it would be taken off but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.
Product: Checking or savings account

On XX/XX/XXXX I opened an account at Wells Fargo. I just deposited XXXX dollars to open the account. Everything went well was given my information. I was showed how to add a digital card to my digital wallet. I then went home to get my refund checks from the State and Federal government. I had multiple checks because I did my taxes for the past three years together. I also had a check from work. I then went to deposit the checks to an atm. This was my mistake because this is where everything went wrong. It took three of the checks but it it said that the other four need to be verified. That did I want to continue. The decision would be mailed to me within a week. I thought it was werid so I just deposited the three it accepted. I then tried again to deposit three without my work check. It said the same thing. Since I knew they were real and had money I said okay to deposit them. I could wait there was no rush. I got my reciepts and went home. When I looked at my account on the app later they said they were going to close it for suspsicous activity. That the checks looked altered or suspicious. Which is not the case. I called that night and was transfered but that department was closed. I called in the morning and was told I could not reopen the account or ever get an account with Wells Fargo. That they had " verified '' that those checks had no money. I told them opening an account to cash the checks was my whole reason for opening an account in the first place. I was told to contact the state and or IRS. I asked for the information on the checks they deemed " altered ''. They would not give it to me. I was told to have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX Please correct/update this inaccurate information on my credit report. 

13. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX XXXX Please correct/update this inaccurate information on my credit report. 

14. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

Late Payments Reporting by Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2019 trump signed a bill that certain things be left out or credit profile. Another thing is failing to identify who holds the debt, they are three on one report. I have asked that my medical bills be verified and one the Veteran Affairs is responsible for. I request that the three I identified account be removed at once. On one report I chit them in a lie and they removed the address from the report and its back on there. XXXX  removed it from my report before the address was changed. Im so stressed over this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a acount without my written instructions
Product: Credit reporting or other personal consumer reports

I recieved a call from a person that identified themselves as calling from Consumer Financial Protection Burueau on Saturday, XX/XX/XXXX at XXXX XXXX  Central Time. I was informed that someone was attempting to open a credit card account wtih my information at a XXXX XXXX XXXX in Pennsylvania. I was given a reference number of XXXX. I am in Texas and not in Pennsylvania. The caller gave me my birthdate and social security number over the phone and told me he could freeze the application and would put a freeze on all of my credit cards. I am not sure that this person is actually from CFPB. We had a foriegn accent and became agitated on the phone when I told him I would contact XXXX to check my accounts. Would this be someone from your agency that would be calling me XXXX days in a row about different cards? He has called to tell me I had a problem with a XXXX XXXX, Capital One, and XXXX  XXXX XXXX in addition to XXXX XXXX. He also had information regarding my vehicle and home loans.
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2023 XXXX. I DID NOT AUTHORIZE THIS ACCOUNT AND DONT KNOW THE COMPNAY OR ADRESS. THE PAYMENT HISTORY SAY XXXX  DAYS XXXX TIME EQUIFAX BUT XXXX EXPERIAN. THIS IS NOT VALID. 
XXXX Account Number : XXXX REMOVE AND DELETE XXXX. THIS ACCOUNT DOES NOT HAVE ACCURATE INFORMATION AND I DIDNT AUTHORIZE IT. 
PAYMENT HISTORY SAYS DIFFERENT ON EVERY REPORT. LAST PAYMENT SAYS XXXX ON EQUIFAX BUT XXXX ON XXXX. HOW CAN ITBE COLLECTION BUT CHARGEOFF XXXX XXXX Account Number : XXXX DELETE AFTER REINVESTIGATION XXXX. I DID NOT AUTHORIZE XXXX ON MY CREDIT REORT OR KNOW OF THIS. I DONT RECOGNIZE IT. THE OPEN DATE IS DOFFERNT ON EVERY REPORT. The last paymet say XXXX on XXXX BUT XXXX ON XXXX. This is a big ERROR XXXX Account Number : XXXX DELETE AND DELETE XXXX. THIS IS NOT AUTHORIZED BY ME. THE ACCOUNT SAYING CHARGEOFF AND COLLECTION. IT CANT BE BOTH.THE OPEN DATE IS DIFFERENT ON XXXX AND XXXX HOW CAN THIS BE. 
XXXX XXXX  Account Number : XXXX DELETE FROM MY REPORT TODAY XXXX. This account is not authorized by me and I DONT KNOW WHO XXXX IS OR HAVE BUSINESS WITH THEM. THE ACCOUNT SAYS COLLECTION AND CHARGEOFF BUT CAN BE BOTH. IF WHY IF THE DATE OPEN DIFFER ON XXXX AND EQUIFAX AND XXXX. ISNT THIS A BIG MISTAKE XXXX Account Number : XXXX PLEASE REINVESTIGATE AND DELETE XXXX. I DIDNOT GIVE PERMISSION OR AUTHORIZE THIS ACCOUNT. PAYMENT HISTORY IS ALSO OFF. 
PAYMENT SCHEDULE SAY XXXX  DAYS LATE XXXX TUMES ON XXXX BUT XXXX  TIMES ON XXXX. IS IT CHARGEOFF OR COLLECTION. THE AACOUNT IS AN ERROR AND DAMAGES MY REPUTATION XXXX XXXX Account Number : XXXX PLEASE DELETEl
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently, when I found out I called American Express right away to report that someone used my personal info to guarantee a business AMEX account. American Express refused to take accountability for not verifying my information, even though I had put numerous fraud alerts on my personal credit and told Amex before to verify my info before opening any account. Now my credit went down from around 800 points to XXXX - an almost 300 points drop for an account that was fraudulently opened.
Product: Credit card or prepaid card

Received order email from Best Buy for a purchase i did not complete on XX/XX/2021 I called Best Buy on the same date XX/XX/2021 and they advise me that they could not cancel the order, I advise them the purchase was made with a store credit card that is under my name but I did not apply for that card. 

They advised me they would open a fraud case but did not advise me that they would be canceling the order or did not transfer to a department so i can cancel the credit card Order amount : XXXX
Product: Credit reporting

Several time from XX/XX/XXXX - XX/XX/XXXX Military has lost personal data for me and my ex -wife and I have since XX/XX/XXXX been fights and still on going to this day. I found out that person or people have SSN #, Birthdate and would call Trans Union and reset my password and order a copy of my credit report. The other XXXX agencies have secret question you have to answer does n't matter if you that the information listed above. But Trans union would reset the password and they get a copy of credit report online now I have a freeze with Trans Union But they continue to try or do open accounts every year. When I called Trans Union about this issue they told as long they have needed information there was nothing they could do but put XXXX credit monitoring on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to you today to follow up the previous CFPB Complaint I submitted to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File. On XX/XX/XXXX, I sent a disputed letter to each of the Credit Reporting Agencies with complete attachments of my personal information and the ID THEFT REPORT I received from the FTC for reporting the fraudulent accounts and information reporting on my Credit File. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft within the time allowed by law. Right now, I am expecting that the Credit Bureaus will comply with the federal law and have the disputed items removed from my Credit File. Here is the list of accounts that should be removed in accordance with the Fair Credit reporting Act section XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. If the Credit Bureaus believe that the disputed accounts belong to me, I am requesting the Credit bureaus that they send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus ' claims. In the event that the Credit Bureaus can not provide me copies of documents I seek, please delete the disputed accounts completely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

The major XXXX security breach in early XX/XX/2017 indicated that I would be impacted by their breach. However, I was not notified of this nor was I given any sort of protection against *their* data breach of *my* information. Information, I must also add, that I did not consent to give them but instead they decided to collect. Additionally, to apply for a credit freeze without an incident of theft would cost me time and no less than {$10.00}. I find this completely unacceptable that I am not responsible, both financially and through my time, to fix *their* improper security. This is unacceptable.
Product: Debt collection

In 2019 I was in the hospital for a serious condition which I am now on full XXXX for. I was on a state medical assistance program at the time which I am extremely grateful for. While in the hospital, they had run some tests. A few years had past and all of the sudden a medical bill showed up on my credit report from a collection agency. I called the collections agency and got the bill that was referenced. I called the hospital and went over the details, they told me I was not not responsible for that and it had been paid through the medical assistance program. They then sent me the receipt of the service that was paid in full. I sent it to the company that had already put it into collections that ruined my credit. I also sent it to the collections company. Time had passed and they sent it back to collections. I went back to the hospital and went over it again. I sent the receipt again showing it had been paid through the medical assistance program. It is very hard for me to deal with all of this, in much pain on XXXX. Ive shown proof and have done everything I can. The hospital sent me the receipt showing paid and said I am not responsible for that, its already paid. They have ruined my credit and caused me much stress while in severe pain while on full XXXX. For a bill that has been paid through the medical assistance program. I have spoke with the hospital many times about this, shown the company the receipt many times. They have ruined my credit over a {$640.00} bill that had been paid and shown proof of payment. Ive done everything I can while on XXXX with open XXXX on my legs and cant even fit into shoes % XXXX of the time.