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

According to the Fair Credit Reporting Act 15 USC 1681 section 602, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. According to the Privacy act of 1974, I have the right to ensure my private information isn't shared 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. '' ( Furnisher of information to credit agencies ) 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 and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX, Equifax and XXXX does not have my written or verbal consent to furnish this information. Any and all consent to XXXX XXXX XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

According to15 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. '' ( Furnisher of information to credit agencies ) 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 in 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. XXXX XXXX XXXX, 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. due to lack of full disclosure of reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies LVNV FUNDING LLC Account XXXX 15 U.S.C 168 s-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: Debt collection

I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying. 


It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXXXXXX DOB XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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 POTENTIALLY NEGATIVE Date XXXX Balance {$2100.00} StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusClosed. {$20000.00} written off. 

XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

McCarthy Burgess and Wolff collections is calling me repeatedly about a debt related to a XXXX XXXX ( spelling unknown ). I am NOT XXXX, I am XXXX, and I do not owe anyone any money. I have asked them to remove my phone number and stop calling. 

They have apparently done neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative item that are hurting my credit scores, I want them to be removed as soon as possible from the three credit reporting agencies. 

1. ALLY FINCL Account Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield and associate keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,
Product: Mortgage

When we received our bill from Stockton Mortgage due onXX/XX/XXXX the amount due increased by {$480.00}. When we contacted the company we were informed that it was due to an escrow shortage based on the amount of taxes owed. Upon further research on our part, it was determined that the mortgage company had accidently paid our taxes twice forXX/XX/XXXX, paying an excess {$4600.00}. The company even after admitting this error, still made us pay the extra {$480.00} for the payment due on XX/XX/XXXX, indicating they could not adjust the payment due until they received the refund from the county. When speaking with the company on XX/XX/XXXX, they indicated it would take 14 days to correct the issue. We contacted the company again on XX/XX/XXXX and no progress had been made and we were told it would take another 14 days. At this point, we asked to speak with management and were told they would call within 24 hours. No call was received, so we called the company back on XX/XX/XXXX. At this point, they indicated that they had received the refund from the county. We were told they would escalate the escrow analysis and have it complete by XX/XX/XXXX. Once again we asked to speak to management and were told we would receive a call back in 24-48 hours but did not. We contacted the company on XX/XX/XXXX and they indicated it had not been completed, but would be complete by XX/XX/XXXX. We contacted the company again on XX/XX/XXXX and were told the analysis still had not been completed. We were told again we would receive a call from management within 2 hours and no call was received and the issue still has not been resolved
Product: Credit reporting or other personal consumer reports

I sent a letter certified by mail to Mobiloans for proof of validation or method of validation, both times Mobiloans responded and said the disputes were frivolous. They stated that they do not have to send me any information.
Product: Credit reporting or other personal consumer reports

I am formally disputing multiple accounts that have been unlawfully and inaccurately reported on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Due to these violations, I am requesting the immediate deletion of the following accounts from my credit report : XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX Credit Control XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Services XXXX Account XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. These accounts contain inaccurate, unverifiable, and misleading information, violating this requirement.

Obligation to Delete or Modify Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Immediately delete or correct the inaccurate information from the consumers file.

Notify the furnisher that the item has been modified or deleted.

Prohibition on Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) strictly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The accounts listed above have been wrongfully reported and must be deleted immediately.

Unauthorized Disclosure of Consumer Information Under 15 U.S.C. 1681b ( a ) ( 1 ), credit reporting agencies must ensure that only accurate and legally permissible information is included in consumer reports. Since the disputed accounts fail to meet these legal standards, they must be removed.
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 XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/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 incurred. Despite have sufficient funds when transactions were authorized. I was charged fees due to lagged 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. I request an investigation into my account transactions.
Product: Debt collection

The law firm of XXXX have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
Product: Checking or savings account

XXXX of 2023 I filed a claim for XXXX XXXXransactions that were not authorized by me for a total of {$1200.00}. The bank denied my claim and closed it. In order for them to reopen it they suggested I file a police report. So on XX/XX/2023 I filed the police report and once again they denied and closed my claim. Ive done everything I can had to do to prove I didnt authorize those XXXX XXXXransactions. Wells Fargo has been a pain when it comes to fraudulent activity. Ive even changed my username and password with their help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX # XXXX listed on my credit report is reporting inaccurately.

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my Equifax it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my Equifax report dated XX/XX/XXXX. I've also included a previous Equifax report that does not show any recent lates.
Product: Debt collection

I closed my account properly with the original company that the debt was for. This collection agency is not sure any money for this old closed account.
Product: Credit reporting 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 Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights . 
I looked at Trans union credit report on XXXX XXXX and noticed somethings 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 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 ( i ) 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 or other personal consumer reports

I am writing to dispute a collection account reported by XXXX XXXX XXXX for an alleged debt with XXXX XXXX XXXX. This account has been added to my credit report without my authorization, as I am a victim of identity theft. I have no affiliation with this account, and it is not mine. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, I am requesting the immediate removal of this inaccurate information from my credit report. Section 605B grants me the right to have information resulting from identity theft blocked from my report, and Section 611 obligates the credit bureaus to investigate and remove any unverifiable information.

This fraudulent account is negatively impacting my credit score and causing undue distress. I request that you immediately investigate this dispute, block the information, and delete the account from my credit report. Continued reporting of this account would be in violation of my rights under the FCRA, and I am prepared to take further action if necessary. 

Please provide confirmation that this account has been removed from my credit report.
Product: Debt collection

I have called the numerous times and tried to speak with a representative and I get " all our agents are busy but your call is super imporant to us, please leave a detailed message and we will get back to you " we have not recieved any calls, notices in the mail or anything.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a savings account on line with Citi Bank. On XXXX XXXX XXXX   transfers XXXX from them to Citi Bank. This transfer occurred on XX/XX/XXXX. In the meantime Citi Bank closed the account because I use a XXXX mail store for my address as I have no home mail delivery. They say that I must have a home address. They closed the account. Now on XX/XX/XXXX and after many many calls to both banks neither can tell me where my funds are or accept responsibility for this. I am at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my former job at XXXX due to XXXX XXXX XXXX XXXXXXXX, and after also reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately XXXX weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Product: Debt collection

A representative from Joseph , Mann & Creed called and left me three erroneous voicemails for a person I do not know in any way. One of the messages was very accusatory, as though I was definitely the person they were hounding. I called to voice my irritation and request they remove my number and the same representative was extremely condescending, short and still rude. I demanded an apology for the rude voicemail he had previously left, to which he angrily retorted, " For what? For what?! '' Clearly, he had forgotten himself. He then apologized in a decidedly not sorry, smarmy tone. Not at all a pleasant experience for something I should never have been involved in.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born XXXX, my social is XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.