23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need.
Product: Vehicle loan or lease

Good afternoon, Please see the attached complaint as there isn't enough room to list it all here. 

I've been lied to continually about the balance on a vehicle intentionally with the sole intent of extorting more money from me. There is no way that over XXXX  in " lawyer fees '' can be assessed in 3 business days after receiving an initial amount to satisfy the loan.
Product: Consumer Loan

While XXXX on XXXX XXXX due to a complicated XXXX, my lender , XXXX XXXX, was allegedly sold to XXXX XXXX XXXX. I file Chapter XXXX Bankruptcy due to the hardship, and XXXX XXXX XXXX allegedly sold my loan to PRA Receivables. I have never signed an agreement with XXXX and XXXX charged off the debt and it has a XXXX balance. PRA is alleging that I owe them on my vehicle when in fact, the statutes of limitation on the debt has expired. They currently have the title to my vehicle and are refusing to release it. They have not proven validation of debt, and I was sent a contract between me and the original lender, which was XXXX XXXX, but nothing showing a relationship between me and them. As stated before, the statutes of limitation has expired and PRA is not on my credit report nor do they have a right to collect a debt on me, however, they are breaking the law by holding on to my car title, and it does not belong to them. They have no proof of anything. I want my car title back immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate personal information on my credit report. Specifically, I have disputed inaccurate entries related to my [ e.g., name, date of birth, address, account status, and employer details ] with the credit reporting agency ransunion, XXXX, and XXXX, but the incorrect data has not been removed or corrected, despite my previous disputes XX/XX/year> and XX/XX/year>. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require the credit bureau to accurately report my information and investigate disputes in a timely manner. Additionally, I have not received any satisfactory resolution or response within the 30-day investigation period required by law. 

I have provided all necessary documentation to support my dispute, including copies of my government-issued identification, utility bills, and other supporting documents, but the incorrect information remains on my report.
Product: Credit card or prepaid card

I received courtesy telephone call from Kohl 's Credit in XX/XX/XXXX. The Representative of Kohl 's Credit advised me that I needed to make payment on my credit card. I explained I would and the Representative stated that I needed to pay {$200.00} ; I explained I absolutely did not have that amount to pay at that time. During close of the conversation the Kohl 's Credit Representative wanted to confirm all my account information which I did including my checking info. Again, I never gave the Representative express authorization to take the {$200.00} from my checking especially on the XXXX of the month when I don't get paid until XXXX. On or about XX/XX/XXXX I discovered Kohl 's Credit withdrew {$200.00} from my checking causing detrimental financial hardships by causing overdrafts in the sun of {$180.00} as well as clearing my account to zero ( or in negative status ). This caused me undue hardship as I have an XXXX  child who has needs and I had absolutely no monies due to the unauthorized payment in sum {$200.00}. I was unable to take my child to therapy or his doctors appointments. Kohl 's gave me the impression they would immediately rectify the unauthorized payment but later that same day I called Kohl 's demanding immediate credit I was advised something entirely different stating they had to conduct an investigation. I asked if they were going to pay all the overdraft fees I incurred and was unable to get a clear answer in this regard. 
This is in direct violation of the Federal Fair Credit Act wherein it states a creditor can not withdraw funds from a consumers checking account WITHOUT EXPRESS AUTHORIZATION. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I had a credit card debt with Continental Finance Company that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then XXXX brought the debt for the same amount. XXXX sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with XXXX # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

XXXX looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/24 to open a dispute to contact XXXX to update this as paid and satisfied. 

On XX/XX/24 I contacted XXXX Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, XXXX informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted my previous complaint informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports & provide a photo ID for their records. Transunion has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed XXXX XXXX XXXX
Product: Student loan

I have been trying for over 6 months to make payments to NAVIENT for a student loan. They continually claim that the payments are n't going through. I 've been told it 's the bank 's fault, wrong type of account ( savings or checking ), etc ... During this time they are racking up interest and threatening to ding my credit. The bank I use has assured me they have not even tried to access a payment according to their records -- which means they are scamming me for interest. I have a list of attempts that prove my case from them in writing. My account has over plenty of funds to easily make the payments -- someone needs to shut them down!
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH ANY OF THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name on bank account, never have opened account at XXXX XXXX XXXX and never had XXXX XXXX XXXX
Product: Checking or savings account

I believe that I have been a targeted by your employees to discredit and discrimination. 
Since I open this account I have received over XXXX by 6 unauthorized debits, and believes there may be a conspiracy to steal my money with the government to cause negative default upon accounts with the U.S. Department of Education. 
My concerns were not address in XX/XX/2018 and I am being charged for checks fees that arrangements were made and should have not taken place, however, instead of honoring my requests I am being hit with boomerang checks that I specifically made arrangement therefor. 
It clear that on XX/XX/2018, when I first experience this problem with this account, I made arrangement with the Department of Education and US Bank to discontinue the boomerang check as I were hit with unauthorized checks and fees, instead of honoring my arrangement to prevent this reoccurrences with US Bank as XXXX have long history with banking discrimination, however, it seems, that here in Wisconsin, US Bank team up with corruption and help discrimination and hacks the internet to continue discrimination activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out a dispute to XXXX, XXXX and Equifax. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by XXXX on XXXX and Equifax on XXXX. But to date, I have not received any response from XXXX or Equifax. I would really like to know : 1. What is the status of my disputes received by XXXX and Equifax? 
2. Why have I not received a response to my disputes? 
3. When will I receive a response to my disputes? 
4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover numerous errors. Despite sending multiple letters to the credit reporting agencies requesting corrections, TransUnion and XXXX have failed to address or remove the inaccurate items. However, I want to acknowledge that XXXX has taken appropriate action to correct these errors, demonstrating compliance with federal law. The inaction by TransUnion and XXXX remains deeply concerning, especially given their responsibility to handle my information with care. 



Adding to this issue is the fact that my personal information was compromised in a known data breach involving these credit reporting agencies. This breach has not only exposed my sensitive information but also heightened my vulnerability to identity theft and fraud. In light of this breach, the failure of TransUnion and XXXX to correct errors on my report is an additional betrayal of trust and a violation of their legal obligations to protect and manage my information responsibly. 



Under 15 U.S.C. 1681b, permissible purposes for accessing consumer reports are strictly defined. The law explicitly states that a consumer reporting agency may only furnish a report in accordance with the written instructions of the consumer. Additionally, the Fair Credit Reporting Act ( FCRA ) clarifies under 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that certain transactions or experiences between a consumer and a creditor should not be included in consumer reports. Based on these laws, the late payments and other negative items currently reflected on my report by TransUnion and XXXX are unjustified and violate federal statutes.
Product: Debt collection

I am writing to dispute the inaccurate and fraudulent information present on my credit report, which is a clear violation of the law governing credit reporting. There are several instances of misinformation on my report, stemming from inaccurate reporting, incomplete reporting, or the reporting of unverifiable information. I urge you to take immediate action to correct and remove these discrepancies from my credit report. It is imperative that you comply with the law by providing an accurate and truthful representation of my credit history. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the first time I heard about the company named XXXX XXXX. What happen is that, the bank called me and said that they canceled my application and Issuance of Debit card because XXXX XXXX told that my Account at XXXX XXXX Issued a token.on my account.But that token that Chex said is a dispute on my account at XXXX XXXX, and I wasn't aware of that. Because there's always someone accessing my account not only at XXXX XXXX, also to my account at XXXX XXXX and XXXX  XXXX XXXX. That is why those account got closed due to the transactions that I didn't do.Because I am having issue accessing my account because all the device i '' m using was been compromise, and even all my email account and social media account. I think it was planted. Imagine, even my assets, investment, insurance, shares of stock and dividends are being manipulated already.by the called third party and maybe, Chex is affiliated with this third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX/XXXX  ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

On XX/XX/2021, I awoke to an email from CapitalOne stating that my account ending in # XXXX was restricted due to an SBA request for the EIDL amount. I contacted SBA prior to contacting CapitalOne & they knew of no restriction at that time. The amount was approximately {$71000.00}, so hardly chump change to most people ; however, not once did either of your customer service points along the way show any empathy for the gravity of the amount of situation. After a very long hold, I received XXXX who preceded to interrogate me & have me beg for my funds. I dont need to give my detailed account because the call was recorded ; however as was stated in my complaints, XXXX uses his position of authority to bully people & this is unacceptable. Im still awaiting resolution from SBA or CapitalOne currently ; however, thats not the point of this letter / complaint. There is no excuse for bullying behavior at any time & especially with your customers. As a successful small business for 19 years, I understand the value of a customer & customer service. XXXX supervisor, XXXX, could also be reminded of that in my opinion. This letter & complaint is not just for me, but for all the other small businesss & clients XXXX, XXXX & your company bully and stall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Transunion, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Attached is the dispute letter along with my identification to verify my identity.
Product: Mortgage

I changed my homeowners insurance policy in XXXX. I have called, emailed, once a week since then. I keep getting the same undelivered promises. No calls me back, My mortgage is still the same and they keep telling me they are going fix it. Also PMI was supposed to end in XXXX and I'm still paying that even though I've called for 2 months now! I don't know what do. We are overpaying ... and no one will fix it!
Product: Payday loan

One Click Cash XXXX keeps contacting me after several cease and desist letters had been sent and verbal notifications have been done.
Product: Credit card or prepaid card

As a follow-up to CFPB complaint # XXXX, I am submitting an additional complaint, as the Company has failed to fully reply to my concerns and requests, and there are remaining issues. Please see attached letter for complete details. In summary, the Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance Continues to Furnish information on credit profile. I requested multiple times validation of signature and contest to contract. Company failed to comply on a number of occasions. This is supposedly a joint account with no consist payment history on credit profile. I'm told the original owner is incardinated and don't access to vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX