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

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received a copy of my consumer report from LexisNexis and I noticed that there were several variations to my name and addresses that were not being furnished accurately. I was that the inaccurate information be removed immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXATA 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 XXXXXX/XX/year>
Product: Vehicle loan or lease

I bought my car 7 months ago from carhop. I've been caught up and timely in all my payments. I've had the engine replaced at XXXX miles which I feel is rather soon. Thinking the car was good after the replacement I went on a trip to the coast with my girlfriend dog. We had more problems its costs us nearly 3 grand, we took the car to XXXX XXXX XXXX XXXX XXXX and we found out our cv joints were stripped by the previous mechanic and our axel was cracked. we have photos and statements from XXXX XXXX. We fixed the cv and axel and headed home in the Nevada desert where we lost power we got towed to a town more out of pocket costs and we called carhop the mechanic we find says the alternator had given out car hop replaced the alternator then the car turns on but gas does not work now we are stranded in a small town in Nevada its day 3 the financial costs of all this has run us dry and we are looking at a XXXX dollar mother board part to the car and unsure how we will get home we feel carhop hires cheap mechanics. Give faulty cars to people, and charges far too much for them. We found out our car is only worth like XXXX  tops we've paid XXXX for it and still XXXX to go. We don't want this car we want our money back we've paid monthly and timely we don't want bad credit we saw this is happening to so many other people and believe that car hop is a scandalous company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3100.00} XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1600.00}.
Product: Debt collection

I received a letter from the  XXXX   XXXX   XXXX   XXXX  on or about   XXXX   XXXX   XXXX   They claimed to be collecting on behalf of  XXXX   XXXX  for the amount of {$900.00} ( to  XXXX  Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have  XXXX  recollection of any such debt, so I sent them a debt validation letter on   XXXX   XXXX   XXXX   ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the  XXXX .  XXXX  picked up the letter and signed for it on   XXXX   XXXX   XXXX    . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them.     Yesterday,   XXXX   XXXX   XXXX    , I received a call from  XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report. I called XXXX XXXX NA. They informed me that someone had entered an application for a XXXX card. I told them that I have not applied for any type of card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Account Resolution Service added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Account Resolution Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Payday loan, title loan, or personal loan

I have a furniture loan with Wells Fargo. I make all my payments on line. On XX/XX/XXXX, I went on to the Wells Fargo website to check my balance and seen a payment was due ( by XX/XX/XXXX ). I made a XXXX payment thinking everything was good and the payment due by XX/XX/XXXX was taken care of. Was I wrong. On XX/XX/XXXX, I just randomly went on Wells Fargo website and checked my balance again only to find my XX/XX/XXXX payment was over due and a late fee was charged to my account. The payment I made on XX/XX/XXXX went on the previous months billing cycle. I called Wells Fargo on XX/XX/XXXX and they told me I made the payment to early yet it showed payment due. They said I should of waited till the next day to make the payment allowing the billing cycle to complete itself. How would I know that? I sent them an email with no response and they said they would refund the late fee but they still have n't. Its been over a week. I am primarly concerned with my credit report. My report is flawless. I have never had a late payment in my life. Can you help me? There number is XXXX Account number is last 4 ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate complaint. the other one was for XX/XX/XXXX not XXXX. experian and XX/XX/XXXX they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies experian and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information
Product: Debt collection

In XX/XX/2019 I received a letter in the mail with the XXXX logo on it saying that I owed about {$450.00} and my account was suspended until I paid. It had a phone number to call to pay the balance and get my account reinstated. 
I have never had any XXXX account or wireless number associated with XXXX. 
I called XXXX to verify what the charge was, and they had no record of me having any account with them or any debt under my name. They told me it sounded like the letter was a scam so I ignored it. 

Today ( XX/XX/2019 ) I received a letter from afni debt collector that states I owe a XXXX XXXX balance of {$1500.00}. 

I do not have any idea what this balance could be since XXXX does not have record of me having an account there and I have not had any XXXX XXXX account in the past. 

Thank you for receiving my complaint. Please contact me with any questions.
Product: Debt collection

I have asked XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

They were harassing me in a very inappropriate way and disclosed the info to a 3rd party without my consent. Lastly, they put a freeze on my account even after advising them that I don't owe the debt. I also advised them that I have a financial hardship and that the funds are exempted even if I would've owned it. They were already promising me to release the hold but didn't fulfill its promise. Obviously, they were misleading me to avoid that I request an order to show cause to remove the default judgment.
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, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX  XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights accordingly : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX  accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under XXXX15 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 XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2020, I recevied a phone call from USAA about suspcious activity on my account. I was busy and did not see my phone ringing, I phone USAA back within the hour. I was told by the banking representative that day that XXXX dollars was transferred out of my account via XXXX. We ( me and that representative ) walked through the steps of securing my account again and submitting a fraud investigation in order to have my funds returned to me. On XX/XX/XXXX, I spoke to another representative from USAA about my acccount having a restriction on it that only allows the deposit of XXXX dollars at a time over mobile deposit, I learned then that USAA had determined the previously mentioned XXXX fraud claim as my responsibilty and was punishing me for it. That representative and I opened a appeal of that fraud claim, I was sent a notice on the XXXX that once again, they determined that no fraudaulent activity has been found. I phoned in again today ( the XXXX ) to ask for the documentation supporting their decision. The documentation was unavailable and i'm waiting to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion, I was a victim of identity theft - and as a result have had my credit ruined from fraudulent activity. 

See attached. 

drivers license social security card address complaint FTC report for identity theft I expect all of this fraudulent activity to be removed immediately upon receipt.
Product: Credit reporting or other personal consumer reports

account ending in XXXX XXXXXXXX XXXX  was not deleted after the original creditor XXXXXXXX XXXX requested in 2020 this account be deleted from XXXX, XXXX, and Transunion.
Product: Mortgage

My mortgage servicer transferred from CMC Funding to Newrez / Shellpoint Servicing in XX/XX/XXXX. On XX/XX/XXXX, I received an Annual Escrow Account Disclosure statement from Shellpoint. The escrow analysis shows that my contractual escrow payment is increasing from {$450.00} to {$850.00} ( an 86 % YOY increase ) as of XX/XX/XXXX, despite no material changes in my insurance or property tax costs. Insurance is flat YOY and property taxes increased from {$5300.00} to {$5400.00} ( a 2.6 % YOY increase ). Upon receiving this analysis, immediately I realized that it can not be correct. I reached out to Shellpoint customer service, and opened a support ticket on XX/XX/XXXX. I pointed out the clear error in the analysis - Shellpoint is showing 3 disbursements when there are only 2 property tax installments paid annually in Illinois. In the incorrect escrow analysis, there is a disbursement on XX/XX/XXXX for {$2800.00}, a disbursement on XX/XX/XXXX for {$2900.00}, and a planned disbursement for XX/XX/XXXX for {$2800.00} ( the same amount already paid on XX/XX/XXXX ). Because of the extra payment, my escrow account is showing as underfunded by {$1800.00}. If we exclude the extra payment, it actually looks like I am due a refund for overfunded escrow account. I reported this issue in advance of XX/XX/XXXX, expecting that Shellpoint would act to stop the extra property tax payment to the county. I received no updates on this topic until I called customer service again on XX/XX/XXXX. When I called for an update, the customer service representative looked up my prior ticket and said that it showed that it was closed without resolution, and another ticket was opened without any action taken against it. When I called on XX/XX/XXXX, the customer service representative said that my ticket would be escalated and that I would hear an update soon. It has now been 2 weeks and I have not received any update. We are 3 weeks away from the new incorrect escrow payment being forced by Shellpoint 's error. I am disappointed in the lack of urgency and complete lack of communication on this matter. Through no fault of my own, and for something completely out of my control, I am now dealing with this frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this with XXXX and they have removed the collections account from my XXXX  account. Please see attached and remove this from my Transunion account.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a XXXX XXXX resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the following fraudulent account and inquiries be immediately blocked and deleted from my credit report : Account to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Inquiries to Be Blocked and Deleted : XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

've tried numerous times to fix errors on my credit report to no avail. It's crucial that you take action now to delete the following accounts.I urge you to conduct a thorough investigation into these accounts and take prompt action to remove them from my credit report. Failure to do so will leave me with no choice but to escalate this matter further, seeking legal recourse as necessary. 

I expect a swift and decisive response to this urgent matter. Thank you for your immediate attention to this issue. Here 's the list of accounts and inquiries I want to delete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX credit or insurance. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have obtained. Regardless of me having sufficient funds when transactions were authorized, I was charged fees due to late posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal 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 opened my credit report and found that it has inaccurate information