23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have a loan on my credit report that I did not apply for. I contacted Navient and made them aware of the situation, they were unable to provide any proof of signature of me " co signing '' to this loan. The loan appears on my credit report as a loan I co signed on. An ex friend of mine stole my information and used it for this loan without informing me. I did not attend the school the loan was taking out for and never agreed to taking out this loan in the first place.
Product: Credit card or prepaid card

I previously filed a complaint under ID : XXXX. However, today, I've received an email from the airline XXXX with a snapshot of the transaction ID where it shows the refund was made to my credit card. However, it is not showing on my card. 

Unfortunately, the email is in XXXX, this being a XXXX American airline. It basically states the details of the transaction and also asks me to share this information with the bank ; unfortunately, I have no recourse with Chase Bank as it has refused to entertain dialogue about this issue any longer. Thank you for your assistance in getting Chase to research this transaction and provide a resolution. 

Attached is an email received today.
Product: Debt collection

On XX/XX/22 I received an alert on my credit monitoring that there was a collection added to my account. I called the next day XX/XX/22 XXXX to inquire what this was about. I was told this was a medical debt that I still owed for which was {$83.00}. I told the person I spoke with that they could not report this to the bureaus without trying to collect from me first. I was told they did not have to let me know anything. I asked if I paid the {$83.00} would they delete from the bureaus and was told yes they would delete from the bureaus within 2 weeks and I would receive an email showing I paid and was going to be deleted. I still have not received anything from them. To add insult to injury they have also reported it as a paid collection to another bureau AFTER I paid. I informed them that this was illegal as I have NEVER gotten any notice about this collection. I also reminded them that as of XXXX XXXX the bureaus were going to delete all paid medical collections. So not only did they violate the law but also lied to me. It says on CFPB web site specifically the following : DEBT COLLECTORS ARE NOT PERMITTED TO REPORT A MEDICAL BILL TO THE CREDIT REPORTING COMPANIES WITHOUT TRYING TO COLLECT THE DEBT FROM YOU FIRST.

Please help me on this CFPB. I would like to see them answer to someone of authority for illegal activity
Product: Money transfer, virtual currency, or money service

I was a victim off identity theft I never signed up for this account please delete and report updated balance to my credit reports
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding inaccurate information on my credit report. These letters requested verification for several accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  , and others . I highlighted errors such as incorrect late payment records, inaccurate account statuses ( e.g., Collection or Charge-Off ), and outdated or incomplete data. I specifically asked for evidence of verification, documentation of compliance with FCRA and Metro 2 standards, and removal of unverifiable or inaccurate information. Despite these efforts, XXXX has only provided generic form letters stating the accounts were " verified '' without offering evidence or addressing the specific issues. This failure to properly investigate violates my rights under the FCRA and Metro 2 standards. I request a thorough investigation of these disputes, a detailed response explaining the verification process, and the removal of any inaccurate or unverifiable data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of the account listed above from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I found the following concerning issues with the account : Inaccurate Status Reporting : The account is currently listed as " charged off, '' which is misleading. If the status of this account does not accurately reflect my payment history or any settlements made, this is a violation of the FCRA 's requirement for accurate reporting. 
Incorrect Balance : Your records indicate a balance of {$33000.00} as of XX/XX/XXXX, which does not accurately reflect my payment history. If there have been payments made that are not being reported, this misrepresentation could harm my creditworthiness. 
Failure to Update Information : The status was updated in XX/XX/XXXX, and the balance was updated later in XX/XX/XXXX. This delay in reporting timely updates violates the FCRA guidelines, which mandates that creditors must provide accurate and promptly updated information. 
Excessive Reporting Duration : As this account is set to remain on record until XX/XX/XXXX, I would like to point out that negative information should only remain on a credit report for a maximum of seven years from the date of first delinquency. If the account was charged off in XXXX, it should not be reported beyond the seven-year limit. 
Given these discrepancies, I request that you investigate this account and remove it from my credit report. Should you find that these inaccuracies are indeed present, I expect a prompt correction and written confirmation of the removal. 
Please respond to this request within 30 days to comply with the regulations set forth by the FCRA. I appreciate your immediate attention to this matter and look forward to your prompt response. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Trans Union LLC continually verifies information as accurate When not providing And documentary evidence And support their alleged verification investigation. 

I continually provided Trans Union LLC with the proper procedure steps in regards to blocking of information as a result of Aggravated identity theft. And pursuant to 15 US code 1681 C2, 1681 B2. Navy federal credit Union has also never given any supporting documentary evidence or written. Authorization to Share the consumers nonpublic personal information pursuing 215 United States code 6801. 

XXXX XXXX Continually does not respond to any Cfpb Response instead, passively Since the same response that they're still working on the issue when they are not working on the issue and continually declined to follow procedure and state and federal laws
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion continues to violate FCRA laws in reference to unauthorized, incomplete, and unverified inquiries on my credit report.I spoke with a TransUnion representative on XXXX XXXX about inquiries on my credit report that weren't authorized and was told to contact the copanies, which I did to no avail.USC 1681 Section 604 mandates that all users must have a permitted purpose under the Fair Credit Reporting Act to obtain consumer reports.TransUnion has not provided me any proof of a permissible purpose for these items, Therefore these unauthorized, unverified inquiries should have been removed after 20 days.TransUnion is in direct violation of 15 USC 1681 and I'm invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability for damages and I demand compensation for each of the violations and to DELETE these items.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my XXXX file. They are reporting an account from XXXX XXXX XXXX XXXX that was sent in error from XXXX XXXX XXXX XXXX. I never owed any money to XXXX XXXX XXXX XXXX this was sent in error. Also, XXXX is reporting a fraudulent account from Renasant Bank that does not belong to me. I want both account removed from my XXXX file immediately or I will get an attorney involved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Checking or savings account

In XXXX of XXXX  I opened a savings account with Citibank over the phone, they representative inputted an incorrect address causing them to be unable to verify my address. Id already deposited {$5500.00} when they decided to close my account. 
Despite me sending multiple documents to prove my correct address, they kept send the balance of my accounts to the wrong address. Eventually they were able to send it to the right address, but they did not send the entire balance. 
I am still owed {$500.00}, after months of calling and being told to call back, I still have not received the rest of my money.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I had received an email about being approved for a credit card for Amex, but I hadn't applied to a credit card through Amex. 


In XXXX of XXXX, I was informed via email that my application for a credit card through XXXX XXXXXXXX had been denied, but I hadn't applied to a credit card through XXXX XXXXXXXX.
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 XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, 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: Checking or savings account

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

I found out my information was leaked in a data breach and I noticed inquiries, I did not consent to any of these and am requesting you remove this from my report as I didn't benefit from any of these. These originated from identity theft, and I am not laible for these and need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX Firm on XX/XX/21. I was declined credit by XXXX Bank which apparently uses a lesser known credit reporting agency " XXXX XXXX, XXXX. This credit agency reported me as " deceased '' and credit was therefore declined. This is a recurrent problem with this agency as well as a myriad of other false and inaccurate reporting problems - some which seem to be purposeful. They publish a phone number but do not answer the phone. I have filed a dispute with them but am concerned about their continued control of my private data. Their actions have adversely affected my credit rating.
Product: Credit card

Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts where I have consistently maintained a timely payment record, yet they are being reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiry made on my report and is need to be removed XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX 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 XXXX
Product: Credit card or prepaid card

Credit limit decreased even though i stopped using the card. I know im considered high risk but ive never been late on a psyment and this lowered my XXXX XXXX a lot. Requesting credit limit increase back to where it was please. Ive been a loyal customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, Experian and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of 2022 and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus.

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 or other personal consumer reports

I disputed about XXXX addresses with experian and the same day they contacted me saying they removed addresses that was never on my credit report and the ones I asked To be removed are still there. 
They keep putting false addresses with my name and taking other false addresses that was never on my report and they said report was Done by XXXX XXXX Address to be removed address # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX I said instead they produced addresses I never inquired about and said they removed the addresses above when in fact they ignored my request and responded with bogus addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

{$470.00} XXXX XXXX Closed Charge_off {$330.00} XXXX not more than two payments past due {$390.00} XXXX XXXX XXXX Not More Than Four Payments past due {$6.00} XXXX XXXX  Pay as agreed XXXX XXXXXXXX XXXXk Self Closed account Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Services XX/XX/XXXX Capital XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act Convergent Account # 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
Product: Debt collection

XX/XX/XXXX {$1200.00} XX/XX/XXXX $ XXXX {$1200.00}, XX/XX/XXXX {$420.00}. These accounts as cause me financial ruin. I have no knowledge of these accounts. They are result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Approved for a XXXX Plus loan from American Credit Acceptance. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' Experian has violated my rights to dispute an account that is reporting a fraudulent balance that was an result of fraud and unauthorized use. Additionally, they sent the letter uploaded that they are refusing to conduct a reasonable and diligent investigation by FAILING to send all relevant documents which I sent them POLICE REPORT XXXX & XXXX which were NEVER sent to XXXX  in their investigation which is a violation under the FCRA. Furthermore, XXXX sent a letter dated XX/XX/2019. They revealed in the letter they never received any police documentation from EXPERIAN NOR did they contact the XXXX XXXX XXXX police department. I contacted XXXX XXXX and left a Voice message recently reminding her of XXXX legal responsibility to obtain all relevant documentation as section 623 of the FCRA leaves a grave responsibility on the DATA furnisher to gather all relevant documentation in an investigation and are obligated to conduct a diligent and reasonable investigation. HOW can you conduct a Diligent and Reasonable investigation as 100 % VERIFIABLE AND ACCURATE under law and never retrieve legal police reports from Detective XXXX XXXX which you have the contact information for. These are all MAJOR violations that I intend to if necessary file a formal complaint in XXXX District Court here in XXXX XXXX XXXX UTAH. I do have XXXX 's registered agent information if deemed necessary. This negligence from Experian and XXXX has caused significant damage financially and personal hardship. 


Lastly, I have filed another police report as I am adding this notation that XXXX is failing to honor the Truth in Lending Act and Fair Credit Billing act to support my claim if it reaches court. 

Police report number. 
Fraudulent Use of Credit or Debit Card XXXX XX/XX/2019 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I requested my credit report and complete credit file from EQUIFAX. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. EQUIFAX has refused to send me upon request my complete credit file.