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

Good evening. The XXXX XXXX XXXXXXXX account that appears on my credit profile at Experian XXXX and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number 1 this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have 100 percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as Experian reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - XXXX  shows no information for payment history where Experian and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and Experian shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them
Product: Checking or savings account

I was on the phone with XXXX XXXX from PNC addressing another issue with the bank when she informed me that an address associated with my accounts had been changed to an address in Florida. I informed her that I did not authorize that change and asked for that address and all associated correspondence that related to that change and was told she couldn't provide the entire address or that information to me. Clearly my accounts have been compromised and that information should be readily shared with me.
Product: Credit reporting or other personal consumer reports

Lending Point LLC and XXXX XXXX contacted me stating I was preapproved for a personal loan as of today XX/XX/2023. They stated all I had to do was accept the terms and sign the loan agreement. They stated since I was already approved they would not be doing a hard credit pull. After agreeing to the terms and signing the contract Lending point did a hard credit pull reducing my credit score even further!
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is Lenora Cartagena, and I I'm the one generating this report. The accounts listed in this report should not be
reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S2. I have identified the inaccuracies in which need immediate correction and attention per FCRA guidelines. I request a thorough investigation into
these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor, XXXX, XXXX and TransUnion have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Obtained credit card back in 2020 upon review of statement found charges that I did not make. 
Contacted credit card company via phone call informing them of the charges which I did not make. At which I was transfered to the fraud department of XXXX XXXXXXXX credit card I informed the customer service representative of the purchases on my card and explained they were not mine and i did not make them. At this time I 2as told by the CSR of the fraud unit that they would handle it from there on out. There was no need for further follow up on my end. 
Now 2 years later I have received a summons for this outstanding debt that I did not make and reported to XXXX XXXX fraud unit.
Product: Credit card

I opened a US bank account a few months back. US Bank 's tech team believes there have been some fraudulent transactions and closed the account and deactivated online banking without any communication or my consent ( I have not made any fraudulent transactions ). It took me numerous calls, multiple visits to the bank for 2-3 months to get our hard-earned money that was blocked in the US Bank account. I recently opened a US Bank credit card. They approved it, but once I received the card, I realized that I am unable to login to my online banking ( as they previously deactivated it ) or create new login credentials. I called their tech support and they are saying that I should get access to online banking, but they are unable to resolve the issue and give me internet banking access. Now I am left with a credit card without access to Internet banking and it is becoming difficult to maintain the card. Appreciate your help in getting my online banking access. It would have been fine if they would not have approved my credit card in the first place. But approving it, hitting my credit report and not giving me online banking is not fair. 

I raised this complaint of CFPB already and the bank responded saying that they released hold on the online banking. However, i still see the same issue while logging in. Attaching the screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are incorrectly reporting a State Tax Lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  discharged : # 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

It have been an expose data branch and have reason to believe I was apart of it in so many case.
Product: Student loan

This company is continually harassing me by calling me six to seven times every day. I do not wish to communicate with them and has written them letters on two different occasions to this.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX requests for EXPERIAN to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file EXPERIAN ignored my rights and instead told me that they are labeling my dispute as XXXX Their actions clearly demonstrate their willful violation of the FCRA and I believe the XXXX  will agree when I present them with copies of my letters and your responses to them.XXXX. The following personal information is incorrect : Date of Birth : XXXX XXXX. The following personal information is incorrect : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect : Employers : XXXX XXXX XXXX. The following personal information is incorrect : Employers : XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX  XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXXXXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. Physical proof of verification was not provided for : XXXX XXXX. Account Number : XXXX XXXX. Physical proof of verification was not provided for : XXXX Account Number : XXXX XXXX. Physical proof of verification was not provided for : XXXX Account Number : XXXX XXXX. Physical proof of verification was not provided for : XXXX  XXXX XXXX XXXX. Account Number : XXXX XXXX. Physical proof of verification was not provided for : XXXX XXXX. Account Number : XXXX  XXXX XXXX. Physical proof of verification was not provided for : XXXX XXXX XXXX XXXX. Account Number : XXXX
Product: Credit reporting or other personal consumer reports

theres a hard inquiry on XX/XX/year> I didnt authorize by XXXX is a bussines credit card I dont have a bussines and I didnt authorize that. I deman to be clear off my report and according to XXXX XXXX XXXX If a hard inquiry is " not authorized '' under XXXX XXXX XXXX, it means the credit check was pulled without the consumer 's consent or without a legitimate reason allowed by the FCRA, potentially constituting a violation of the law. take this off from Transunion experian and XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) : # XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXXXXXX  violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that CAPITAL ONE AUTO FINANCE has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with capital one on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted Capital one last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.
Product: Credit card or prepaid card

XXXX prevents my credit usage information to be pulled into XXXX party apps like XXXX XXXX etc. 
I have a right to my charge information via external reporting tools. 
Please investigate and respond, Thanks, XXXX
Product: Debt collection

I received a phone call from my father that a rep, XXXX, told him she was an attorney representing someone who was going to arrest me. I called the number he gave me from my office as it sounded urgent, scary, and I have no reason for someone to threaten that. I got on the phone with a gentleman who refused to identify himself. I told him I was calling from my work phone and to not call that number or my father. I asked him what attorney it is and why she would say I was to be arrested. He told me he listens to everyone 's phone calls and no one would say that. I told him that is what my father said. He told me my father must have been confused. I told him my father does not get confused. The rep scoffed but said okay. He then gave information about the account I supposedly had, which was completely foreign to me. He then said it was a business account, and the name is something my ex-husband used to call our daughter. I advised the rep the account was not opened by me and that I would like information to report the account as fraud. He told me since it was someone who had access to my computer that opened the account that it is not fraud and I am liable. I told him that someone taking your information and opening an account it identity theft. The rep began to taunt me and asked if I was an attorney. When I told him, no I am not an attorney, that I am a XXXX XXXX he was laughing. I asked again for info in order to report the account. He just continued to tell me it wasn't fraud. Since I was at work and he was not helping me, I hung up. The rep then called my father again, despite being told not to, to give my father the account information he refused to tell me and to tell my dad I am very rude. The rep then called me again, at work, despite being asked not to. He said he didn't appreciate being hung up one. I told him he can not call me at work. He then told me he could, and again am I a lawyer to know he can't? I let him know that I had looked up the company website and found that is a non-attorney rep so wanted to know why he wanted to taunt me over not being an attorney when he is not, either. He told me I am a " very rude XXXX '' and that I had better hire a lawyer and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FLXX/XX/XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported to Experian that a payment in XX/XX/XXXX was late by 30 days. However, XXXX XXXX also reported the following : " XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX '' The above is taken directly from the information submitted by XXXX XXXXXXXX XXXX XXXX to Experian. 
The XX/XX/XXXX payment is being reported 30 days late by XXXX XXXX XXXX XXXX, however, this could not possibly be true since XXXX XXXXXXXX XXXX XXXX is also reporting the Payments were deferred starting in XX/XX/XXXX. I believe XXXX XXXX is discriminating against me on the basis of race.
Product: Debt collection

I received a Notice of Garnishment from LVNV Funding on behalf of XXXX XXXX XXXX on XX/XX/year>. I never received a letter or anything from the company about the debt. 

XXXX XXXX of Maryland for XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX
Product: Mortgage

OCWEN Loan Servicing LLC is at it again. 

I 've already had to file a complaint on them for changing our mortgage payment without notice XXXX XXXX 2013? XXXX. They complied and changed our payment to XXXX reflective of our loan terms and APR. 

Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?
Product: Money transfer, virtual currency, or money service

Mr. Cooper violated the Electronic Fund Transfer Act in misappropriation of my home payment of XX/XX/2022, and now they have violated state and federal law of having not refunded my escrow within 30 days of the loan payoff date
Product: Checking or savings account

I am writing to formally lodge a complaint against Navy Federal Credit Union concerning the multiple overdraft fees that have been applied to my account. 

Despite having sufficient funds available at the time of authorization for my transactions, I have encountered fees due to delayed posting of charges and credits. This issue appears to be consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which indicate that Navy Federal has engaged in similar practices, resulting in transactions settling with insufficient balances despite initially available funds.

I find these practices to be unjust, and I kindly request a thorough investigation into the transactions on my account.
Product: Vehicle loan or lease

I received financing from my local Credit Union to payoff for a XXXX XXXX XXXX with Chase. The check was sent on XX/XX/XXXX to Chase. Chase said they never received the check and said payment was due despite the fact that the lease was paid off in full. I ended up making an additional payment of {$640.00} to help protect my credit scorXXXX, as advised by Chase. The first Payoff check was voided, considered lost and a new one was sent on XX/XX/XXXX. The check arrived at the payoff address for Chase in Texas on XX/XX/XXXX. As of XX/XX/XXXX, Chase says I owe {$320.00} and has a note about receiving a duplicate check for the XXXX XXXX on XX/XX/XXXX. The representative from Chase said it takes about XXXX business days to process payments. It is passed that- about XXXX business days. When I look at the account on Chase 's website, no record of the {$640.00} received is seen on a XXXX Statement but a payment was processed. I spoke with a Chase representative on XX/XX/XXXX and opened an inquiry. I asked to have the account frozen considering the circumstances and they said it is not an option. Now it looks like I have an outstanding balance which is not true.