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

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT EDXXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXXXXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX    XXXX {$2500.00} XXXX XXXX XXXX {$590.00}
Product: Debt collection

After several attempts to get proper documentation from SCA I contacted XXXX XXXX direct and I spoke with XXXX in billing on XX/XX/2023 she could not locate the account that SCA is trying to collect for much less provide any documentation showing the account is mine however, SCA has certified multiple times. This account is valid without once providing documentation, supporting their claims.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include
emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet XXXX still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting

I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Equifax however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Equifax and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Equifax and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
Product: Credit card

On XX/XX/XXXX, there was an unauthorized charge of {$4900.00}, which I reported to Robinhood as soon as possible when I saw it.

According to the details I do have from Robinhood, this was an online order, which I believe should have been able to be canceled, seeing as I had notified them within XXXX hours of it having occurred. 

During this time, I had been at XXXX XXXX alongside my father, who had suffered a major XXXX XXXX, and I entrusted that they would take action and stop any order from taking place. They have not done that. Instead, they charged my account and refused to refund it. Their policy seems to be what can cause the maximum pain and suffering for the customer, because they don't seem to have anyone on that team to help. I don't know if it's a staffing issue or what, but they don't even seem to want to help.

Robinhood has been entirely useless, and I am begging for your assistance. I have way too much going on already and no time for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail to the credit bureaus on XX/XX/2022, telling them to do a investigation on the accounts listed below. Also, I have attached the letter with the tracking numbers for each credit bureau. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 UCS 1681 everything has to be 100 % accurate. I have the credit reports to show the inaccuracies ACCOUNTS XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, I have the credit reports to show the inaccuracies
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered A fraudulent account that I did not authorize. 

XXXX XXXX Account # XXXX This account is not mine, and I have no connection to it. This inaccurate account is negatively impacting my credit score, limiting my ability to obtain credit, and causing a significant inconvenience. I request the immediate removal of this fraudulent account from my credit report. 

15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Mortgage

My Mortgage loan was transferred to Panorama Mortgage Group LLC ( XXXX XXXX XXXX ) since XX/XX/2023. Around the end of XX/XX/2023, I received a letter and email indicating that my Loan will be transferred to Panorama Mortgage Group LLC in XXXX, Tx on XX/XX/2023 and to make my payments with them. On the letter I receive there was no indication of paying through a portal or any changes to the payment process so I made my XXXX payment the same way I made my previous payments by going to pmgllc.com and clicking on the " make a payment '' option. On XX/XX/2023 I made a call to Panorama Mortgage Group LLC ( XXXX, Tx ) to inquire about how to get XXXX XXXX taxes paid with my escrow account. On that call I learned that the company does not have my XXXX or XXXX payments. I promptly informed them that this is not true and provided them the screenshots of the confirmation emails as well as proof of the payment transaction from my bank on the portal that the customer service agent instructed me to create. From there a task was opened and they said to give it 30 days from the time of the task creation so this issue can be addressed. I called almost every week for the next 30 days for an update and nothing changed. The first week of XXXX I received a letter in the mail finally instructing me to create a portal to make my payments. The letter was dated XX/XX/2023. I called again on XX/XX/2023 to ask for a status update and they informed me that the task was closed as they needed 30 days for the system to be updated before the issue is escalated. I asked them to open another task because the issue is still present and asked them to escalate again. At this point I have received numerous communications ( letters, emails, and phone calls ) from the company telling me that my account is past due and I am at risk of losing my house. I continued to call them to ask when this issue will be addressed and if it will take more time to please stop the communications saying I will lose my house when I am indeed on time with my payments. I've been told that this is a system wide issue and multiple accounts are affected due to this error. I asked for a letter or some type of communication that explains this issue however I have yet to receive one. I do not see any formal notice on their website indicating that this is an issue either. I called again the last week of XXXX to which I was told that I now have to give it 30 to 60 days for the account to be updated however I am receiving NUMEROUS communications from the company that I am about to lose my home.
Product: Money transfer, virtual currency, or money service

Tried to cash my insurance claim checks at XXXX XXXX XXXX and was denied by Certegy. Called Certegy, no reason given so I ordered my Certegy report to see if I had derogatory information on it. Received the report in the mail and there was nothing derogatory. Called Certegy, they had no explanation. I told them I have another check same type, I am going to XXXX, they said they could not find my transactions and to call in if I get denied again. It happened again, I called them and no valid explanation or reason given. This is another sham company that does not know what they are doing. I doubt they have any sophisticated tools or technological knowledge so they just deny checks based on nothing and give no reasoning to the consumers that get denied. This is unfair practice. A reason, score and/or negative information has to be on a report for them to deny, Certegy bases their decisions on propitiatory nothing as they dont have a clue what they are doing or talking about. Nothing will come from this complaint either as usual. It just feels good to vent. Search Certegy complaint and there are thousands more complaint of people getting denied for no reason. Hello Certegy, dont pawn this off on to XXXX either because XXXX makes {$8.00} a check to cash. Close shop you crooks at Certegy.
Product: Credit card or prepaid card

I requested my credit card with Navy Federal Credit union to be closed on XX/XX/XXXX. I had already made a payment of {$160.00}. My credit report showed clsd for XXXX. On today XX/XX/XXXX I get multiple alerts from My credit monitoring stating, I had an account status change. My credit score dropped XXXX  points. Navy federal credit card is the only account on my credit report.Navy federal reversed my payments from my credit card on XX/XX/XXXX, then waiting to report to credit card as 30 days late. They reopened my card because it now shows on my credit report as 30 days late but I closed my card over 30 days ago. As you can see in the attachment for my credit report on XX/XX/XXXX my account was closed and current but they navy federal went back and changed the status today.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a {$200.00} virtual visa gift card via XXXX app. On XX/XX/2020, I tried to use it for the full amount of {$200.00} but the transaction was declined, the payment DID NOT go through. However, when I checked the gift card balance, I found that it has XXXX balance. The transaction was pre-authorization, this hold always falls off in 2-3 business days and the funds go back to the card. In my case, this didn't happen. Prepaid Digital Solutions, the issuer of XXXX app virtual visa gift cards, never re-deposited the {$200.00} back into the visa gift card. 

I followed the instructions listed on XXXX app to resolve this issue and filed a dispute with the Prepaid Digital Solutions on XX/XX/2020, I mailed in my dispute documents to Chargeback Services XXXX XXXX XXXX XXXX, FL XXXX USA, USPS tracking number : XXXX, delivered on XX/XX/2020. I never heard back from them and they never deposited the {$200.00} back into the visa gift card. On XX/XX/2020, I called Prepaid Digital Solutions at ( XXXX ) XXXX at XXXX XXXX ET on a recorded line to inquire about the status of my dispute, the agent wasnt able to find my dispute documents and he got a supervisor involved. The agent then unapologetically advised me to dispute what I paid for this gift card directly with my Bank as their dispute process takes 100 days to resolve. 

Ever since I've been trying to solve this dispute with XXXX without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by XXXX XXXX on XX/XX/2023 for a credit card application that I did not submit. I contacted XXXX XXXX and reported this fraudulent application. XXXX XXXX cancelled the fraudulent application and will contact XXXX XXXX and Equifax to remove the hard inquiry. XXXX XXXX advised me to follow up with a complaint to the credit bureau. XXXX XXXX also asked me to allow 3 business days for this complaint to be complete. And 60-90 days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges. The 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
Product: Student loan

Mohela is reporting inaccurate loan balance on my credit reports. They are reporting that I have a balance of {$150000.00} and that is inaccurate. The balance for that individual account should be {$15000.00}.
Product: Debt collection

I had a medical bill of {$170.00} ( which is peanuts! ) that they were sending to wrong address and i never got it. I never even got a call. I saw on bureau so paid it but the reporting is still there. It reported me over 60 days past due from XXXX XXXX. I asked them to remove since never got bill and small amount i would have paid and looking at bureau you can see mistake since only late bill ever. i called again to submit formal dispute and rep told me they dont have a dispute process. I worked in collections for 10 years and know my rights and asked to speak to supervisor. He said he was. I asked to speak to his supervisor and he put me on hold for over 20 minutes. someone came on who said he could flag as dispute but nothing else since sent debt validation- which told him again was wrong. i asked for complaint process which he sent me to voicemail.

Simple mistake of no bill and i dont think my overall credit score should be damaged by it for {$170.00} for 7 years which he told me nothing can do. 

the name of the company is H & R Accounts Collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.